diff --git a/chunks/json/f4507a85d39d506086ca73d7963b5aa494bbdc0ce64ed92ef8cc7d5382925925.json b/chunks/json/f4507a85d39d506086ca73d7963b5aa494bbdc0ce64ed92ef8cc7d5382925925.json new file mode 100644 index 0000000000000000000000000000000000000000..66dc79155ca73ff7fd3313590232f7379c3220b1 --- /dev/null +++ b/chunks/json/f4507a85d39d506086ca73d7963b5aa494bbdc0ce64ed92ef8cc7d5382925925.json @@ -0,0 +1 @@ +{"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\n…\n \n\n\n\n\n\n\n\n\n \n\nJean\n Logan\n\n\n \n \n
\n\n549 Main Street\n Mailing\n Anytown\n\nUCD v2.0 Implementation Guide\n\n- 141 -\n"} diff --git a/chunks/json/f464c058a71a0622160792963d5128af077a29b97bae59ada6b7c299c1c176ca.json b/chunks/json/f464c058a71a0622160792963d5128af077a29b97bae59ada6b7c299c1c176ca.json new file mode 100644 index 0000000000000000000000000000000000000000..a465fdc04c7e5ad06e78f1ae8822c0bdbf0ee629 --- /dev/null +++ b/chunks/json/f464c058a71a0622160792963d5128af077a29b97bae59ada6b7c299c1c176ca.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f46733d3d55dee04253e2b2de83b58eaa37c4a3b458581addc92ab6c3ee2fba2.json b/chunks/json/f46733d3d55dee04253e2b2de83b58eaa37c4a3b458581addc92ab6c3ee2fba2.json new file mode 100644 index 0000000000000000000000000000000000000000..8189182152259b0a3e6b9850dd2039562a54c4b5 --- /dev/null +++ b/chunks/json/f46733d3d55dee04253e2b2de83b58eaa37c4a3b458581addc92ab6c3ee2fba2.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f4703b8b4c1fb2b0d851b5b4a890f520cab61f9b30dff55bd158eb76c88621eb.json b/chunks/json/f4703b8b4c1fb2b0d851b5b4a890f520cab61f9b30dff55bd158eb76c88621eb.json new file mode 100644 index 0000000000000000000000000000000000000000..ffcbd3459260d094c255e188b0b56284147a05fd --- /dev/null +++ b/chunks/json/f4703b8b4c1fb2b0d851b5b4a890f520cab61f9b30dff55bd158eb76c88621eb.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f481c04e68405fee55cc74f43457c60b6f437aaf389bba21cbbabb9760e42272.json b/chunks/json/f481c04e68405fee55cc74f43457c60b6f437aaf389bba21cbbabb9760e42272.json new file mode 100644 index 0000000000000000000000000000000000000000..589d9be0ae3db03b0477f3d9f91d1cafdbb18fab --- /dev/null +++ b/chunks/json/f481c04e68405fee55cc74f43457c60b6f437aaf389bba21cbbabb9760e42272.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f49cfa867e6935d0a295e2c9ef52eb52d18775738700361194565a1ca0366693.json b/chunks/json/f49cfa867e6935d0a295e2c9ef52eb52d18775738700361194565a1ca0366693.json new file mode 100644 index 0000000000000000000000000000000000000000..981f959f77b4c3fbfe2cc74cf753617a0d74d64e --- /dev/null +++ b/chunks/json/f49cfa867e6935d0a295e2c9ef52eb52d18775738700361194565a1ca0366693.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f4a75890566026acfb256d7e417844e837394a18ea61c73a4a1c1f4fbeee280a.json b/chunks/json/f4a75890566026acfb256d7e417844e837394a18ea61c73a4a1c1f4fbeee280a.json new file mode 100644 index 0000000000000000000000000000000000000000..4505967ee1e9b39784f30704a98dfd81b0924864 --- /dev/null +++ b/chunks/json/f4a75890566026acfb256d7e417844e837394a18ea61c73a4a1c1f4fbeee280a.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f4cd4289bc494a145fbcea1d90b96acffda868c9b34e0693ec8b95e09812132f.json b/chunks/json/f4cd4289bc494a145fbcea1d90b96acffda868c9b34e0693ec8b95e09812132f.json new file mode 100644 index 0000000000000000000000000000000000000000..4db7d0cb9c2913da759ac6b0a1a1ba8a2106191d --- /dev/null +++ b/chunks/json/f4cd4289bc494a145fbcea1d90b96acffda868c9b34e0693ec8b95e09812132f.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f4ce3f44444527601c3d282d074ea81a028c37fe60d130be3ba7bb0a0d767b21.json b/chunks/json/f4ce3f44444527601c3d282d074ea81a028c37fe60d130be3ba7bb0a0d767b21.json new file mode 100644 index 0000000000000000000000000000000000000000..0bd1db8b092f36f87660928c6b27128e21090551 --- /dev/null +++ b/chunks/json/f4ce3f44444527601c3d282d074ea81a028c37fe60d130be3ba7bb0a0d767b21.json @@ -0,0 +1 @@ +{"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":"\n\n75.00\n\nBuyer\n\n\n \n\n125.00\n Seller\n\n\n \n\n\n\n\n\n\n…\n\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"} diff --git a/chunks/json/f4d4f251b3467e15754cdc354a11dfcaafdc26af9607efb85246c0506bd1fcb1.json b/chunks/json/f4d4f251b3467e15754cdc354a11dfcaafdc26af9607efb85246c0506bd1fcb1.json new file mode 100644 index 0000000000000000000000000000000000000000..10b426b87004b7e29b147042a6634d2efede04ed --- /dev/null +++ b/chunks/json/f4d4f251b3467e15754cdc354a11dfcaafdc26af9607efb85246c0506bd1fcb1.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f4f85ca345a426852136b33d506aee0411d024d18efa66086373560b26231849.json b/chunks/json/f4f85ca345a426852136b33d506aee0411d024d18efa66086373560b26231849.json new file mode 100644 index 0000000000000000000000000000000000000000..9e2f4b6a7385482269812cd0325eea201d451254 --- /dev/null +++ b/chunks/json/f4f85ca345a426852136b33d506aee0411d024d18efa66086373560b26231849.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f51b64b6c6eff2623df5e16ed1f8b15cbd55a161db8965fa3377b5bd23137e47.json b/chunks/json/f51b64b6c6eff2623df5e16ed1f8b15cbd55a161db8965fa3377b5bd23137e47.json new file mode 100644 index 0000000000000000000000000000000000000000..d0a437853ee4dcd61223f5e1c39a2b9084674485 --- /dev/null +++ b/chunks/json/f51b64b6c6eff2623df5e16ed1f8b15cbd55a161db8965fa3377b5bd23137e47.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f520cf17bd6c7fb26b4a62ae4715f247aa115a4086f968634bd5a121094842b3.json b/chunks/json/f520cf17bd6c7fb26b4a62ae4715f247aa115a4086f968634bd5a121094842b3.json new file mode 100644 index 0000000000000000000000000000000000000000..de20fd69fce2442a723d282469f3ea2c1ee90a61 --- /dev/null +++ b/chunks/json/f520cf17bd6c7fb26b4a62ae4715f247aa115a4086f968634bd5a121094842b3.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f526c09d3013ce321bc8bcb7ac19ea10c52d5eefeb717472ff3396c9d7ce2967.json b/chunks/json/f526c09d3013ce321bc8bcb7ac19ea10c52d5eefeb717472ff3396c9d7ce2967.json new file mode 100644 index 0000000000000000000000000000000000000000..a2594e5fbf12065ea068555973ac29a8a83a1ae8 --- /dev/null +++ b/chunks/json/f526c09d3013ce321bc8bcb7ac19ea10c52d5eefeb717472ff3396c9d7ce2967.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f5295d9b91b97857f49b8f9f64186d8c39f3df1fde4747fb8a628ebe150e1271.json b/chunks/json/f5295d9b91b97857f49b8f9f64186d8c39f3df1fde4747fb8a628ebe150e1271.json new file mode 100644 index 0000000000000000000000000000000000000000..e983aba9fe52be4cb948b03960ffa800739dace0 --- /dev/null +++ b/chunks/json/f5295d9b91b97857f49b8f9f64186d8c39f3df1fde4747fb8a628ebe150e1271.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f52d711103d50a437830c6fbcd04fb4bab49a0f82f6d26d1c791c6e8488dd090.json b/chunks/json/f52d711103d50a437830c6fbcd04fb4bab49a0f82f6d26d1c791c6e8488dd090.json new file mode 100644 index 0000000000000000000000000000000000000000..5f480e3501360f37231a8856687323924c1cffb0 --- /dev/null +++ b/chunks/json/f52d711103d50a437830c6fbcd04fb4bab49a0f82f6d26d1c791c6e8488dd090.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f52dfef5f19af4b6e7d757ef667977b1613d8bf2e24499e0eda04c2000554ebd.json b/chunks/json/f52dfef5f19af4b6e7d757ef667977b1613d8bf2e24499e0eda04c2000554ebd.json new file mode 100644 index 0000000000000000000000000000000000000000..4d57795fe4e2ed5cf278b3bf459961589d9afc75 --- /dev/null +++ b/chunks/json/f52dfef5f19af4b6e7d757ef667977b1613d8bf2e24499e0eda04c2000554ebd.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f536837de78227ae19a7527695c31a556e05e2fff36253b22fdf841cfdba0ccd.json b/chunks/json/f536837de78227ae19a7527695c31a556e05e2fff36253b22fdf841cfdba0ccd.json new file mode 100644 index 0000000000000000000000000000000000000000..bbec514a0b3af214e2fb3d2fa5dff0fd2e2961f9 --- /dev/null +++ b/chunks/json/f536837de78227ae19a7527695c31a556e05e2fff36253b22fdf841cfdba0ccd.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f5383d7a47bf9638a3367cf6cb30a8511c67b8865fe1597bcd789f9ee46b1355.json b/chunks/json/f5383d7a47bf9638a3367cf6cb30a8511c67b8865fe1597bcd789f9ee46b1355.json new file mode 100644 index 0000000000000000000000000000000000000000..c02dc673d39acf502409a506f1751394d751b4c9 --- /dev/null +++ b/chunks/json/f5383d7a47bf9638a3367cf6cb30a8511c67b8865fe1597bcd789f9ee46b1355.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f54e732649630a8eb098875d1bb1ecfcb15f930415a0609226bf13279e9dcf4e.json b/chunks/json/f54e732649630a8eb098875d1bb1ecfcb15f930415a0609226bf13279e9dcf4e.json new file mode 100644 index 0000000000000000000000000000000000000000..3639e4dda3fe675b02b0bde6792d0e8da76f74a4 --- /dev/null +++ b/chunks/json/f54e732649630a8eb098875d1bb1ecfcb15f930415a0609226bf13279e9dcf4e.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f550f5bb1f69a49de217f32dd8bca53ed25f5f3b5b083295cbd38a1a8b91e3f3.json b/chunks/json/f550f5bb1f69a49de217f32dd8bca53ed25f5f3b5b083295cbd38a1a8b91e3f3.json new file mode 100644 index 0000000000000000000000000000000000000000..9ab78bf3d91df9e02442c51a6b1d2aaa0bfad3c9 --- /dev/null +++ b/chunks/json/f550f5bb1f69a49de217f32dd8bca53ed25f5f3b5b083295cbd38a1a8b91e3f3.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f5582f4afff195b047381a14534f8bc9764049c4227d01eb0ba79269427dddec.json b/chunks/json/f5582f4afff195b047381a14534f8bc9764049c4227d01eb0ba79269427dddec.json new file mode 100644 index 0000000000000000000000000000000000000000..2d0132b3ea0e62c74af3100d44975438bb6a3692 --- /dev/null +++ b/chunks/json/f5582f4afff195b047381a14534f8bc9764049c4227d01eb0ba79269427dddec.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f55edca7963d22ebc6c2a6feeeca4447a676a638bdea28b951f9deb4c535f516.json b/chunks/json/f55edca7963d22ebc6c2a6feeeca4447a676a638bdea28b951f9deb4c535f516.json new file mode 100644 index 0000000000000000000000000000000000000000..79fac6e55ac93c5ebcf315a9067ed90e443707a3 --- /dev/null +++ b/chunks/json/f55edca7963d22ebc6c2a6feeeca4447a676a638bdea28b951f9deb4c535f516.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f57bd405cb6d43714f104ec79cc431b1a68ec8a797284354d4c0b0da0c46527e.json b/chunks/json/f57bd405cb6d43714f104ec79cc431b1a68ec8a797284354d4c0b0da0c46527e.json new file mode 100644 index 0000000000000000000000000000000000000000..fc9a6bbc0b3aec3c5f8cde8e7151a5a1488d142a --- /dev/null +++ b/chunks/json/f57bd405cb6d43714f104ec79cc431b1a68ec8a797284354d4c0b0da0c46527e.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f586407a586c3f25e792d6c3bbf6b5541845c5046069a1f02e08bc25d4afe2ae.json b/chunks/json/f586407a586c3f25e792d6c3bbf6b5541845c5046069a1f02e08bc25d4afe2ae.json new file mode 100644 index 0000000000000000000000000000000000000000..47676f44ebaa198e4fdb621eaddc797d63cb99aa --- /dev/null +++ b/chunks/json/f586407a586c3f25e792d6c3bbf6b5541845c5046069a1f02e08bc25d4afe2ae.json @@ -0,0 +1 @@ +{"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":"\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\n\n…\n\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"} diff --git a/chunks/json/f588b44c2fc275dd5c76efa7c5130b66cf35242f162eca9ee63ee22932b71602.json b/chunks/json/f588b44c2fc275dd5c76efa7c5130b66cf35242f162eca9ee63ee22932b71602.json new file mode 100644 index 0000000000000000000000000000000000000000..0ab52af143af78938a930d7aea9dcb666ade5ff0 --- /dev/null +++ b/chunks/json/f588b44c2fc275dd5c76efa7c5130b66cf35242f162eca9ee63ee22932b71602.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f59c546956d440c273fc9c0a03b43dca99a208f316146b1dd11334e1c5a3668e.json b/chunks/json/f59c546956d440c273fc9c0a03b43dca99a208f316146b1dd11334e1c5a3668e.json new file mode 100644 index 0000000000000000000000000000000000000000..12cc753fc1a70067a0caf6977715816c1641ecea --- /dev/null +++ b/chunks/json/f59c546956d440c273fc9c0a03b43dca99a208f316146b1dd11334e1c5a3668e.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f5a19bc4a77b1a374cec21f68d400bf617a1f844f84c42456b234339002bf0d5.json b/chunks/json/f5a19bc4a77b1a374cec21f68d400bf617a1f844f84c42456b234339002bf0d5.json new file mode 100644 index 0000000000000000000000000000000000000000..e2d94a17699bc32f247b4fc041ebdaf8911b3a57 --- /dev/null +++ b/chunks/json/f5a19bc4a77b1a374cec21f68d400bf617a1f844f84c42456b234339002bf0d5.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f5adae32461b67f23b466803cb49bfd93e0a9a30c6a80b189c283f26658d0e18.json b/chunks/json/f5adae32461b67f23b466803cb49bfd93e0a9a30c6a80b189c283f26658d0e18.json new file mode 100644 index 0000000000000000000000000000000000000000..02208b52c91ac67bc117b0cf3d795e283fe37643 --- /dev/null +++ b/chunks/json/f5adae32461b67f23b466803cb49bfd93e0a9a30c6a80b189c283f26658d0e18.json @@ 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[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"} diff --git a/chunks/json/f5c9b4184ded598b6d048dcd42fe103e3a93bdccaf8dc68e44cfb10321204c6d.json b/chunks/json/f5c9b4184ded598b6d048dcd42fe103e3a93bdccaf8dc68e44cfb10321204c6d.json new file mode 100644 index 0000000000000000000000000000000000000000..d65700853f98664029e8928f82563bae3a640fca --- /dev/null +++ b/chunks/json/f5c9b4184ded598b6d048dcd42fe103e3a93bdccaf8dc68e44cfb10321204c6d.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f5cd8cb8f632c678c9104ba6d88b2a3e000744616d7000e3dd9b50e9655d818a.json b/chunks/json/f5cd8cb8f632c678c9104ba6d88b2a3e000744616d7000e3dd9b50e9655d818a.json new file mode 100644 index 0000000000000000000000000000000000000000..19eb1d45085f971b0a1042000e9b8f14ebed3137 --- /dev/null +++ b/chunks/json/f5cd8cb8f632c678c9104ba6d88b2a3e000744616d7000e3dd9b50e9655d818a.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f5cfe5791c17d7f12b7da70794d9f051bb579b0a0e78874285737147bf811bfb.json b/chunks/json/f5cfe5791c17d7f12b7da70794d9f051bb579b0a0e78874285737147bf811bfb.json new file mode 100644 index 0000000000000000000000000000000000000000..67b67371952e1f2c61be7be981e02c36bce6d606 --- /dev/null +++ b/chunks/json/f5cfe5791c17d7f12b7da70794d9f051bb579b0a0e78874285737147bf811bfb.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f5d13a0711e6488455d886d5753397dc4ab0aad961445da7415acc7e88ea0393.json b/chunks/json/f5d13a0711e6488455d886d5753397dc4ab0aad961445da7415acc7e88ea0393.json new file mode 100644 index 0000000000000000000000000000000000000000..018547f86afd0a3df7dfb3e71542a9707be86982 --- /dev/null +++ b/chunks/json/f5d13a0711e6488455d886d5753397dc4ab0aad961445da7415acc7e88ea0393.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f5d7c4f5f2c8ff133093a920eaf174bc3dc75a3c202fe3777629a68a26a41684.json b/chunks/json/f5d7c4f5f2c8ff133093a920eaf174bc3dc75a3c202fe3777629a68a26a41684.json new file mode 100644 index 0000000000000000000000000000000000000000..c4f9d9d19f09fd99c8c84af1ef2891e306ac3dd9 --- /dev/null +++ b/chunks/json/f5d7c4f5f2c8ff133093a920eaf174bc3dc75a3c202fe3777629a68a26a41684.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f5dbcf60dbea362c8a32a681fa95c65b08229cc398227cf16ebf151f080f4eee.json b/chunks/json/f5dbcf60dbea362c8a32a681fa95c65b08229cc398227cf16ebf151f080f4eee.json new file mode 100644 index 0000000000000000000000000000000000000000..55b827cd67a1e9ff4d91cb1845866d1ba5af2eb9 --- /dev/null +++ b/chunks/json/f5dbcf60dbea362c8a32a681fa95c65b08229cc398227cf16ebf151f080f4eee.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f5e41bac0bcb439da45e6143776fddca3d9decaf785cbdeb6e9a621ef6a82d8f.json b/chunks/json/f5e41bac0bcb439da45e6143776fddca3d9decaf785cbdeb6e9a621ef6a82d8f.json new file mode 100644 index 0000000000000000000000000000000000000000..efba31cd667ac06b624d9c1369c6c8e792ea981c --- /dev/null +++ b/chunks/json/f5e41bac0bcb439da45e6143776fddca3d9decaf785cbdeb6e9a621ef6a82d8f.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f5e784d6f711cc25a0b99739495ddb73ac752a35e310dd32354c2b54b8adfc24.json b/chunks/json/f5e784d6f711cc25a0b99739495ddb73ac752a35e310dd32354c2b54b8adfc24.json new file mode 100644 index 0000000000000000000000000000000000000000..65a97e7333d4c56d86dae94776d9be902a0cc6cf --- /dev/null +++ b/chunks/json/f5e784d6f711cc25a0b99739495ddb73ac752a35e310dd32354c2b54b8adfc24.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f5ea88acec266e9ce2bb81c3e97093dcd2ddd67cc014c9ac14b9a4dcdb762905.json b/chunks/json/f5ea88acec266e9ce2bb81c3e97093dcd2ddd67cc014c9ac14b9a4dcdb762905.json new file mode 100644 index 0000000000000000000000000000000000000000..7b6e935ebfb8fcbca3bd1d24064c5ea1577a4d50 --- /dev/null +++ b/chunks/json/f5ea88acec266e9ce2bb81c3e97093dcd2ddd67cc014c9ac14b9a4dcdb762905.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f5ef018b839531a395fd53bce83af9ac963943dbf01bb634e2850f357441ce6d.json b/chunks/json/f5ef018b839531a395fd53bce83af9ac963943dbf01bb634e2850f357441ce6d.json new file mode 100644 index 0000000000000000000000000000000000000000..4b306c499a567be4dc6c8fdf5f8093c2046b8407 --- /dev/null +++ b/chunks/json/f5ef018b839531a395fd53bce83af9ac963943dbf01bb634e2850f357441ce6d.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f5f474100385ae465d36daa13c60a5ec6718523d789986ed1cbaf97b371f0733.json b/chunks/json/f5f474100385ae465d36daa13c60a5ec6718523d789986ed1cbaf97b371f0733.json new file mode 100644 index 0000000000000000000000000000000000000000..6b73a9f62cde1ed23a610442b8a70500d3a100dd --- /dev/null +++ b/chunks/json/f5f474100385ae465d36daa13c60a5ec6718523d789986ed1cbaf97b371f0733.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f60c8578bf8e176394ae3f9b725892d7c24060f8fa6245e7cc7345f4b34d0b61.json b/chunks/json/f60c8578bf8e176394ae3f9b725892d7c24060f8fa6245e7cc7345f4b34d0b61.json new file mode 100644 index 0000000000000000000000000000000000000000..d86e3cfe1b926359f0bca500980d6dd3d9a9fab9 --- /dev/null +++ b/chunks/json/f60c8578bf8e176394ae3f9b725892d7c24060f8fa6245e7cc7345f4b34d0b61.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f60e3a09045741fc0dd7b106f24d1b1b298f445854d49e68a118f94bcb4d4d80.json b/chunks/json/f60e3a09045741fc0dd7b106f24d1b1b298f445854d49e68a118f94bcb4d4d80.json new file mode 100644 index 0000000000000000000000000000000000000000..19415bfb83519a6dff8a4d825edf9946a7385f04 --- /dev/null +++ b/chunks/json/f60e3a09045741fc0dd7b106f24d1b1b298f445854d49e68a118f94bcb4d4d80.json @@ -0,0 +1 @@ +{"chunk":{"char_end":210240,"char_start":208628,"chunk_id":"chk_06ea5074296f50cb","chunk_index":122,"chunk_sha256":"f60e3a09045741fc0dd7b106f24d1b1b298f445854d49e68a118f94bcb4d4d80","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"f60e3a09045741fc0dd7b106f24d1b1b298f445854d49e68a118f94bcb4d4d80","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"C2\n\n3\n\n2 | 1\n\nC2\n\n4\n\n2 | 1\n\n2,784 Sq. Ft.\n\n2,705 Sq. Ft.\n\n2,810 Sq. Ft.\n\n2,905 Sq. Ft.\n\n2,695 Sq. Ft.\n\nVehicle Storage | Spaces\n\nDriveway | 4\nGarage | 3\n\nSimilar\n\nSimilar\n\nSimilar\n\nSimilar\n\nSummary\n\nRent Per Finished Area\n\nActual Rent\n\nOverall Comparison\nto Subject\n\nAdjusted Rent\n\nOpinion of\nMarket Rent\n\n$0\n\n$0\n\n$3,500\n\n$1.29\n\n$3,500\n\nSimilar\n\n$1.28\n\n$3,600\n\nSimilar\n\n$1.15\n\n$3,350\n\nSimilar\n\n$1.19\n\n$3,200\n\nSimilar\n\n$3,500\n\n$3,400\n\n$3,575\n\n$3,525\n\nComparable Weight\n\nMost\n\nMost\n\nLess\n\nLess\n\nRental Analysis Commentary\n\nComparables 1 and 2 are from the subject’s community, have the same influences and amenities, and are therefore given the most weight.\n\nAppraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\n\nUniform Residential Appraisal Report\n\nPage 21 of 24\nPage 21 of 24\n\nRental Information (continued)\n\nRental Information Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the Rental Comparable 1 photo would display.\n\nThis is where the Rental Comparable 2 photo would display.\n\nComparable #3\n\nComparable #4\n\nThis is where the Rental Comparable 3 photo would display.\n\nThis is where the Rental Comparable 4 photo would display.\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nAppraisal Summary\n\nContract Price\nOpinion of Market Value\nMarket Value Condition\n\nSales Comparison Approach\n$900,000\n\nIncome Approach\n\nCost Approach\n\nNot Necessary for Credible Results\n\nNot Necessary for Credible Results\n\n$895,000\n$900,000\nAs Is\n\nReasonable Exposure Time\nEffective Date of Appraisal\n"} diff --git a/chunks/json/f612732e77dad8552cee7680856fbb7baa7a38953a30103d0f77e73e2379373c.json b/chunks/json/f612732e77dad8552cee7680856fbb7baa7a38953a30103d0f77e73e2379373c.json new file mode 100644 index 0000000000000000000000000000000000000000..11312ef0dc55a9ad93a7454d1837e497c571a8b0 --- /dev/null +++ b/chunks/json/f612732e77dad8552cee7680856fbb7baa7a38953a30103d0f77e73e2379373c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1741,"char_start":0,"chunk_id":"chk_afea2f17b12af93b","chunk_index":0,"chunk_sha256":"f612732e77dad8552cee7680856fbb7baa7a38953a30103d0f77e73e2379373c","date_utc":"2026-01-27T17:54:26+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2a3178b0a303937a","text_sha256":"f612732e77dad8552cee7680856fbb7baa7a38953a30103d0f77e73e2379373c","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Annual_Performance_Plan___U_S__FEDERAL_HOUSIN_hi3ye.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/fhfa-annual-performance-plan\"\ndate_accessed: \"2026-01-27T17:54:20.434Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/f614d1dd77b9650189ddecf251f6658eb23bdd762c7f0a65e7d5b140668eb64d.json b/chunks/json/f614d1dd77b9650189ddecf251f6658eb23bdd762c7f0a65e7d5b140668eb64d.json new file mode 100644 index 0000000000000000000000000000000000000000..3bdcbd7080b2e268763b484c4640ec2f817a0391 --- /dev/null +++ b/chunks/json/f614d1dd77b9650189ddecf251f6658eb23bdd762c7f0a65e7d5b140668eb64d.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f64052e3d66d775d27748a8de5d1227b1fb98bb9fab0ececbb894e517309f167.json b/chunks/json/f64052e3d66d775d27748a8de5d1227b1fb98bb9fab0ececbb894e517309f167.json new file mode 100644 index 0000000000000000000000000000000000000000..56551f861337458ad6ac8a9d573b76caafc0cb7a --- /dev/null +++ b/chunks/json/f64052e3d66d775d27748a8de5d1227b1fb98bb9fab0ececbb894e517309f167.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f64e96f79925463e69c931b68ac6e1ae11187a908025ba09d5eb1462f613afa9.json b/chunks/json/f64e96f79925463e69c931b68ac6e1ae11187a908025ba09d5eb1462f613afa9.json new file mode 100644 index 0000000000000000000000000000000000000000..90db5022b9c29ce43597a1a3e9df150839d2ff7c --- /dev/null +++ b/chunks/json/f64e96f79925463e69c931b68ac6e1ae11187a908025ba09d5eb1462f613afa9.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f6613c290c6c3e01156f51df58d82fe705766240fd4a112bc2bc473efce982ae.json b/chunks/json/f6613c290c6c3e01156f51df58d82fe705766240fd4a112bc2bc473efce982ae.json new file mode 100644 index 0000000000000000000000000000000000000000..0284a70f7adf56dd34fa518f988f3807333feb90 --- /dev/null +++ b/chunks/json/f6613c290c6c3e01156f51df58d82fe705766240fd4a112bc2bc473efce982ae.json @@ -0,0 +1 @@ +{"chunk":{"char_end":729615,"char_start":727956,"chunk_id":"chk_1fb0ba52573e4e8a","chunk_index":432,"chunk_sha256":"f6613c290c6c3e01156f51df58d82fe705766240fd4a112bc2bc473efce982ae","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"f6613c290c6c3e01156f51df58d82fe705766240fd4a112bc2bc473efce982ae","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"The boundaries of the subject\nneighborhood. These boundries may\ninclude but are not limited to streets,\nlegally recognized neighborhood\nboundaries, waterways, or other natural\nboundaries that define the seperation of\none neighborhood from another.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_DemandSuppl\nyType='OverSupply']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_TypicalMarket\ningTimeDurationType='UnderThreeMonths']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_TypicalMarket\ningTimeDurationType='ThreeToSixMonths']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_TypicalMarket\ningTimeDurationType='OverSixMonths']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T\nype='Condominium']/@_LowPriceAmount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T\nype='Condominium']/@_HighPriceAmount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T\nype='Condominium']/@_PredominantPriceAmount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T\nype='Condominium']/@_NewestYearsCount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T\nype='Condominium']/@_OldestYearsCount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T\nype='Condominium']/@_PredominantAgeYearsCount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN\nD_USE[@_Type='SingleFamily']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN\nD_USE[@_Type='TwoToFourFamily']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN\nD_USE[@_Type='Apartment']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN\nD_USE[@_Type='Commercial']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN\nD_USE[@_Type='Other']/@_Percent\n"} diff --git a/chunks/json/f663c792978ba9f43db3f013b951acc8ab625ca0c48d710ee9b9b4bd16f1c568.json b/chunks/json/f663c792978ba9f43db3f013b951acc8ab625ca0c48d710ee9b9b4bd16f1c568.json new file mode 100644 index 0000000000000000000000000000000000000000..b35fe4b20d8b8793e86b69dcc4f15c546deaf9eb --- /dev/null +++ b/chunks/json/f663c792978ba9f43db3f013b951acc8ab625ca0c48d710ee9b9b4bd16f1c568.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31023,"char_start":29000,"chunk_id":"chk_0ff9c93a1257f76b","chunk_index":16,"chunk_sha256":"f663c792978ba9f43db3f013b951acc8ab625ca0c48d710ee9b9b4bd16f1c568","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5c0b0ee89f21d117","text_sha256":"f663c792978ba9f43db3f013b951acc8ab625ca0c48d710ee9b9b4bd16f1c568","token_estimate":506,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004_70.pdf"]},"text":"2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser’s analysis, opinions,\nstatements, conclusions, and the appraiser’s certification.\n\n3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or the\nappraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law.\n\n4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and\npromulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal\nreport was prepared.\n\n5. If this appraisal report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are\ndefined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this\nappraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and\nvalid as if a paper version of this appraisal report were delivered containing my original hand written signature.\n\nSignature______________________________________________\nName 5 ______________________________________________\nCompany Name 6 ______________________________________\nCompany Address 7_____________________________________\n 8a, 8b 8c ______________________________\nTelephone Number 9_____________________________________\nEmail Address 10 _______________________________________\nDate of Signature and Report 11 ___________________________\nEffective Date of Appraisal 12 _____________________________\nState Certification # 13___________________________________\nor State License # 14 ____________________________________\nor Other (describe) 15 _______________ State # 16 __________\nState 17 ______________________________________________\nExpiration Date of Certification or License 18 _________________\n"} diff --git a/chunks/json/f6713d4f905404fa44b8fa477f3ec7f2c304fccb4fd44fe3d728dc382abf3704.json b/chunks/json/f6713d4f905404fa44b8fa477f3ec7f2c304fccb4fd44fe3d728dc382abf3704.json new file mode 100644 index 0000000000000000000000000000000000000000..22c0d112b342c8fb724532b737463c75296524f6 --- /dev/null +++ b/chunks/json/f6713d4f905404fa44b8fa477f3ec7f2c304fccb4fd44fe3d728dc382abf3704.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f686cfa2610d897e50e64e3748b6ddbc801b79d422fd8a0f6a30cba08b51018e.json b/chunks/json/f686cfa2610d897e50e64e3748b6ddbc801b79d422fd8a0f6a30cba08b51018e.json new file mode 100644 index 0000000000000000000000000000000000000000..e29d8e41bbaab42b122e00b5b2126ecba81414cf --- /dev/null +++ b/chunks/json/f686cfa2610d897e50e64e3748b6ddbc801b79d422fd8a0f6a30cba08b51018e.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/f689e6c23804a21842d6d4693d7892e03543b5cab3808afd01d85f0d067ea4b5.json b/chunks/json/f689e6c23804a21842d6d4693d7892e03543b5cab3808afd01d85f0d067ea4b5.json new file mode 100644 index 0000000000000000000000000000000000000000..bf02409bc1c8dd387dd6886ac5436d3128dec92a --- /dev/null +++ b/chunks/json/f689e6c23804a21842d6d4693d7892e03543b5cab3808afd01d85f0d067ea4b5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":287823,"char_start":286222,"chunk_id":"chk_8bab03552e079f14","chunk_index":166,"chunk_sha256":"f689e6c23804a21842d6d4693d7892e03543b5cab3808afd01d85f0d067ea4b5","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"f689e6c23804a21842d6d4693d7892e03543b5cab3808afd01d85f0d067ea4b5","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Overall Update Status for\nFlooring\n\nDetail\nCarpet\n\nCeramic Tile\n\nVinyl\n\n8 Ft. | Vaulted\n\nFully Updated\n\nQuality Comment\n\nCondition Status\nNew or Like New\n\nBathroom flooring upgraded New or Like New\n\nCondition Comment\n\nNew or Like New\n\nNew or Like New\n\nApparent Defects, Damages, Deficiencies (Unit Interior)\n\nNone\n\nUnit Interior Exhibits\n\nLevel 1 - Bedroom - Bedroom 1\n\nLevel 1 - Bedroom - Bedroom 2\n\nLevel 1 - Bedroom - Bedroom 3\n\nLevel 1 - Dining Room - Dining Area\n\nAppraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)\n\nUniform Residential Appraisal Report\n\nPage 12 of 30\nPage 12 of 30\n\nUnit Interior (continued)\n\nLevel 1 - Bath - Full - Bath 1\n\nLevel 1 - Bath - Full - Bath 2\n\nLevel 1 - Kitchen\n\nLevel 1 - Living Room\n\nLevel 1 - Utility Room\n\nThis is where the Utility Room photo would display.\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nAppraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)\n\nUniform Residential Appraisal Report\n\nPage 13 of 30\nPage 13 of 30\n\nOutbuilding - Barn\n\nConsidered Real Property\nUnits in Structure\nGross Building Area\n\nYes\n0\n800 Sq. Ft.\n\nGross Building Area for the outbuilding includes area for vehicle storage,\nADU(s), and any other uses\n\nDetail\n\nHeating\nCooling\n\nUtilities\n\nYes No\n \n \n\nThe table below depicts the area of the outbuilding, excluding vehicle\nstorage and any ADU(s)\n\nFinish\nFinished\n\nUnfinished\n\nTotal Area\n0 Sq. Ft.\n\n800 Sq. Ft.\n"} diff --git a/chunks/json/f68f13da19d7ac0cbec2e613f58672b19df7ad803afbc443042876802e8faeb8.json b/chunks/json/f68f13da19d7ac0cbec2e613f58672b19df7ad803afbc443042876802e8faeb8.json new file mode 100644 index 0000000000000000000000000000000000000000..e940faab67c2c7e85164a4ed95443346cc9875a2 --- /dev/null +++ b/chunks/json/f68f13da19d7ac0cbec2e613f58672b19df7ad803afbc443042876802e8faeb8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":262567,"char_start":260869,"chunk_id":"chk_8f1963ac80959fc3","chunk_index":151,"chunk_sha256":"f68f13da19d7ac0cbec2e613f58672b19df7ad803afbc443042876802e8faeb8","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"f68f13da19d7ac0cbec2e613f58672b19df7ad803afbc443042876802e8faeb8","token_estimate":425,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)\n\nUniform Residential Appraisal Report\n\nPage 17 of 18\nPage 17 of 18\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\n\n1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective\nowners or occupants of the subject property, or other parties involved in this transaction.\n\n2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this\nreport, or the demographics of the area where the property is located.\n\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity),\nage (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present\nor prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis\nprohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n\n5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to\nthe assumptions and limiting conditions in this appraisal report.\n"} diff --git a/chunks/json/f6abaca8db970111157fc7d8db07bc2de6a45764622a9aa9e8d29d75b9166031.json b/chunks/json/f6abaca8db970111157fc7d8db07bc2de6a45764622a9aa9e8d29d75b9166031.json new file mode 100644 index 0000000000000000000000000000000000000000..148c889116e8a65f7e6a8dae532accfa1899fda1 --- /dev/null +++ b/chunks/json/f6abaca8db970111157fc7d8db07bc2de6a45764622a9aa9e8d29d75b9166031.json @@ -0,0 +1 @@ +{"chunk":{"char_end":355281,"char_start":353471,"chunk_id":"chk_953c3065fac94bb8","chunk_index":207,"chunk_sha256":"f6abaca8db970111157fc7d8db07bc2de6a45764622a9aa9e8d29d75b9166031","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"f6abaca8db970111157fc7d8db07bc2de6a45764622a9aa9e8d29d75b9166031","token_estimate":453,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Supervisory Appraiser\nCompany Name\n\nSupervisor Company\nName\n\nThe unparsed address of the lender.\nGenerally includes the street address,\nsuite number, city, state and zip code.\nFORM SPECIFIC FIELD\nThis is the actual value (Phone, Fax,\nE-Mail, Other) of the Contact Point\nType.\nName of the person who is\nresponsible for reviewing or\nsupervising the work or project.\nName of the company with which the\nsupervisor is associated.\n\n/VALUATION_RESPONSE/PARTIES/LENDE\nR/@AppraisalFormsUnparsedAddress\n\n/VALUATION_RESPONSE/PARTIES/LENDE\nR/CONTACT_DETAIL/CONTACT_POINT[@\n_Type='Email']/@_Value\n\n/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/@_Name\n\n/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/@_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/SUPER\nVISOR/@_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\nSupervisor Postal\nCode\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nTelephone Number\n\nContact Point Value\n\nAPPRAISER\nCERTIFICATION\n\nSupervisory Appraiser\nEmail Address\n\nContact Point Value\n\nSupervisor City\n\nThe city in which the address of the\nsupervisor is located.\n\n/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/@_City\n\nSupervisor State\n\nThe state in which the address of the\nsupervisor is located.\n\n/VALUATION_RESPONSE/PARTIES/SUPER\nVISOR/@_State\n\nThe postal code (zip code in US) of\nthe address of the supervisor. Zip\ncode may be either 5 or 9 digits.\nThis is the actual value (Phone, Fax,\nE-Mail, Other) of the Contact Point\nType.\nThis is the actual value (Phone, Fax,\nE-Mail, Other) of the Contact Point\nType.\n"} diff --git a/chunks/json/f6b474ccdbd25b09eacb5d2ae923ac304a89abdbc015fa68b15a9c518350573a.json b/chunks/json/f6b474ccdbd25b09eacb5d2ae923ac304a89abdbc015fa68b15a9c518350573a.json new file mode 100644 index 0000000000000000000000000000000000000000..0267a5f7f299e4832342bd6fd3d6b5c6d4a84434 --- /dev/null +++ b/chunks/json/f6b474ccdbd25b09eacb5d2ae923ac304a89abdbc015fa68b15a9c518350573a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17346,"char_start":13951,"chunk_id":"chk_97e2cf20d81b61dc","chunk_index":8,"chunk_sha256":"f6b474ccdbd25b09eacb5d2ae923ac304a89abdbc015fa68b15a9c518350573a","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_cbe32def6b447b54","text_sha256":"f6b474ccdbd25b09eacb5d2ae923ac304a89abdbc015fa68b15a9c518350573a","token_estimate":1061,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_vjasu9.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\\/34906\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\",\"currentQuery\":{\"category\":{\"176\":\"176\"}}},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"\\/research\":true,\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/f6b4a24a9a9270505c406569b685d507ae8e3103389b7b9313a541964498b761.json b/chunks/json/f6b4a24a9a9270505c406569b685d507ae8e3103389b7b9313a541964498b761.json new file mode 100644 index 0000000000000000000000000000000000000000..e60f4d8b6fa06e0a517c503e0082093e5ce22f8e --- /dev/null +++ b/chunks/json/f6b4a24a9a9270505c406569b685d507ae8e3103389b7b9313a541964498b761.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16934,"char_start":15571,"chunk_id":"chk_47704f911bafe16f","chunk_index":10,"chunk_sha256":"f6b4a24a9a9270505c406569b685d507ae8e3103389b7b9313a541964498b761","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_da248e1b967abf99","text_sha256":"f6b4a24a9a9270505c406569b685d507ae8e3103389b7b9313a541964498b761","token_estimate":440,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Media_Library___FHFA_279ngw.md"]},"text":"![Preview image for the video \"FHLBank System at 100: Boston, MA Regional Roundtable\".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E)\n - Video\n\nMarch 21, 2023\n\n## [FHLBank System at 100: San Juan, PR Regional Roundtable](/news/videos/fhlbank-system-at-100-san-juan-pr-regional-roundtable)\n\n![Preview image for the video \"FHLBank System at 100: San Juan, PR Regional Roundtable\".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E)\n - Video\n\nMarch 21, 2023\n\n## [FHLBank System at 100: Alaska Regional Roundtable](/news/videos/fhlbank-system-at-100-alaska-regional-roundtable)\n\n![Preview image for the video \"FHLBank System at 100: Alaska Regional Roundtable\".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E)\n - Video\n\nMarch 21, 2023\n\n## [FHLBank System at 100: Hawaii and American Samoa Regional Roundtable](/news/videos/fhlbank-system-at-100-hawaii-and-american-samoa-regional-roundtable)\n\n![Preview image for the video \"FHLBank System at 100: Hawaii and American Samoa Regional Roundtable\".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E)\n - Video\n"} diff --git a/chunks/json/f6bb21cbb36508071680bb051a23b99aecf301b7b3cdc5aac5ff8347ffbf14d2.json b/chunks/json/f6bb21cbb36508071680bb051a23b99aecf301b7b3cdc5aac5ff8347ffbf14d2.json new file mode 100644 index 0000000000000000000000000000000000000000..cceb7af985a2eef1daf8339ffa05ad77fb050e91 --- /dev/null +++ b/chunks/json/f6bb21cbb36508071680bb051a23b99aecf301b7b3cdc5aac5ff8347ffbf14d2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1749,"char_start":0,"chunk_id":"chk_bd0ad7795a0b10aa","chunk_index":0,"chunk_sha256":"f6bb21cbb36508071680bb051a23b99aecf301b7b3cdc5aac5ff8347ffbf14d2","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca1db67b9626334c","text_sha256":"f6bb21cbb36508071680bb051a23b99aecf301b7b3cdc5aac5ff8347ffbf14d2","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fannie_Mae___Freddie_Mac_Affordable_Housing_Goals__3lunn.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/programs/enterprise-affordable-housing-goals\"\ndate_accessed: \"2026-01-27T17:47:50.336Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/f6c9b208352a0c845432792a9acab205f62ddc6938e89252451d23a3848c77e9.json b/chunks/json/f6c9b208352a0c845432792a9acab205f62ddc6938e89252451d23a3848c77e9.json new file mode 100644 index 0000000000000000000000000000000000000000..5dc0752a1e1f96a5ee06aae8e917ef7625aaed03 --- /dev/null +++ b/chunks/json/f6c9b208352a0c845432792a9acab205f62ddc6938e89252451d23a3848c77e9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15437,"char_start":13722,"chunk_id":"chk_e4173598e87ae099","chunk_index":9,"chunk_sha256":"f6c9b208352a0c845432792a9acab205f62ddc6938e89252451d23a3848c77e9","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"f6c9b208352a0c845432792a9acab205f62ddc6938e89252451d23a3848c77e9","token_estimate":429,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user,\ndefinition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to\ninclude any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or\ndeletions to the certifications are also not permitted. However, additional certifications that do not constitute material alterations to\nthis appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n\nSCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting\nrequirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting\nconditions, and certifications. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the\nsubject property including, but not limited to, property data based on interior and exterior property data collection, public and/or\nprivate data records, and information as described by the appraiser in the appraisal report, (2) research, verify, and analyze\nadequate and reliable data from public and/or private sources for the subject market area including data for each comparable\nproperty reported, and (3) report his or her analysis, opinions, and conclusions in this appraisal report.\n"} diff --git a/chunks/json/f6cda2ffefb5f341dd6d0fc4e6acb5b3e90140e9f0338a94932160ab7532e16d.json b/chunks/json/f6cda2ffefb5f341dd6d0fc4e6acb5b3e90140e9f0338a94932160ab7532e16d.json new file mode 100644 index 0000000000000000000000000000000000000000..de2ba23d6bb109d0afc2d2a0f17e12f577d9d0dc --- /dev/null +++ b/chunks/json/f6cda2ffefb5f341dd6d0fc4e6acb5b3e90140e9f0338a94932160ab7532e16d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2137,"char_start":1435,"chunk_id":"chk_a7fc34b711ff314b","chunk_index":2,"chunk_sha256":"f6cda2ffefb5f341dd6d0fc4e6acb5b3e90140e9f0338a94932160ab7532e16d","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"f6cda2ffefb5f341dd6d0fc4e6acb5b3e90140e9f0338a94932160ab7532e16d","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"4d. Remove Certain Information That Contributed to Re-Identification .................................................. 5\n\n4e. Remove Certain Information That Contributed to Privacy Harm ....................................................... 5\n\n4f. Minimum Record Count Threshold ..................................................................................................... 6\n\n4g. Rounding ............................................................................................................................................. 6\n\n4h. Binning ................................................................................................................................................ 6\n"} diff --git a/chunks/json/f6d8cc0b0e75c9308c5c3d35a37214d64adc1a24153829b25267ecc9a7e27661.json b/chunks/json/f6d8cc0b0e75c9308c5c3d35a37214d64adc1a24153829b25267ecc9a7e27661.json new file mode 100644 index 0000000000000000000000000000000000000000..2ec1af58a42b5a831f8e59a7d66f3b339f62719f --- /dev/null +++ b/chunks/json/f6d8cc0b0e75c9308c5c3d35a37214d64adc1a24153829b25267ecc9a7e27661.json @@ -0,0 +1 @@ +{"chunk":{"char_end":872598,"char_start":870642,"chunk_id":"chk_c6a003d7ca5583e2","chunk_index":518,"chunk_sha256":"f6d8cc0b0e75c9308c5c3d35a37214d64adc1a24153829b25267ecc9a7e27661","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"f6d8cc0b0e75c9308c5c3d35a37214d64adc1a24153829b25267ecc9a7e27661","token_estimate":489,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"10\n\nEnumerated\n\nAllowable Values PDF Display\nNeutral N\nBeneficial B\nAdverse A\n\nData Field\nConditionality\n\nR\n\n338\n\n3\n\ne-15\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\nGSE Location Type\n\nThe type of location influences associated\nwith the property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_L\nOCATION_DETAIL_EXTENSION/COMPARISON_LOCATION_DETAIL_EX\nTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECTION_\nDATA/COMPARISON_LOCATION_DETAIL[@_SequenceIdentifier='1..2']/@\nGSELocationType\n\n20\n\nEnumerated\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThe allowable values are listed below. When representing these values in the XML file,\nthey must be shown exactly as they appear below:\n\nAllowable Values PDF Display\nResidential Res\nIndustrial Ind\nCommercial Comm\nBusyRoad BsyRd\nWaterFront WtrFr\nGolfCourse GlfCse\nAdjacentToPark AdjPrk\nAdjacentToPowerLines AdjPwr\nLandfill Lndfl\nPublicTransportation PubTrn\nOther *\n\n*See field e-16 directly below.\n\n339\n\n340\n\n3\n\n3\n\ne-16\n\n23\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\nGSE Location Type\nOther Description\n\nText entry when 'Other' is selected as\nLocation Type.\n\nSALES\nCOMPARISON\nAPPROACH\n\nLeasehold/Fee Simple\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_L\nOCATION_DETAIL_EXTENSION/COMPARISON_LOCATION_DETAIL_EX\nTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECTION_\nDATA/COMPARISON_LOCATION_DETAIL/.[@GSELocationType='Other']/@\nGSELocationTypeOtherDescription\n"} diff --git a/chunks/json/f6db6a9a1f40eb0cb042a203dde041bfdaf7e2eefe3c6e98ba8a330c3a92e414.json b/chunks/json/f6db6a9a1f40eb0cb042a203dde041bfdaf7e2eefe3c6e98ba8a330c3a92e414.json new file mode 100644 index 0000000000000000000000000000000000000000..8ea0ea6f6a97601b385998c686fe52e6349b4803 --- /dev/null +++ b/chunks/json/f6db6a9a1f40eb0cb042a203dde041bfdaf7e2eefe3c6e98ba8a330c3a92e414.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13248,"char_start":11623,"chunk_id":"chk_c9c72d301006770d","chunk_index":7,"chunk_sha256":"f6db6a9a1f40eb0cb042a203dde041bfdaf7e2eefe3c6e98ba8a330c3a92e414","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e27a00af35fdbad9","text_sha256":"f6db6a9a1f40eb0cb042a203dde041bfdaf7e2eefe3c6e98ba8a330c3a92e414","token_estimate":406,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.pdf/SF2_Appraisal_v1.3.pdf"]},"text":"4\nVacant\n5\n4\n1\n\nArea\n720 Sq. Ft.\n\n72 Sq. Ft.\n\n1,248 Sq. Ft.\n\n1,224 Sq. Ft.\n\n836 Sq. Ft.\n\nRoom Summary\n1 - Bath - Full\n1 - Bedroom\n1 - Den\n\n1 - Bath - Half\n1 - Dining Room\n1 - Family Room\n1 - Kitchen\n1 - Living Room\n\n2 - Bath - Full\n3 - Bedroom\n\n1 - Bath - Full\n1 - Bedroom\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 7 of 22\n\nUnit Interior (continued)\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ2\n\nInterior Condition Rating\n\nC3\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel B1\n\nBath - Full\nLevel 2\n\nBath - Full\nLevel 2\n\nBath - Full\nLevel 3\n\nBath - Half\nLevel 1\n\nUpdate Status\nNot Updated\n\nTime Frame\n\nNot Updated\n\nNot Updated\n\nNot Updated\n\nNot Updated\n\nNot Updated\n\nQuality Comment\nKitchen includes\ncommercial grade\nappliances and granite\ncountertops\n\nCeramic tile and\nupgraded fixtures\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCeramic tile and\nupgraded fixtures\n\nTypical Wear and Tear\n\nCeramic tile and\nupgraded fixtures\n\nTypical Wear and Tear\n\nBathroom includes\nupgraded marble tile\nand high-end fixtures.\n\nTypical Wear and Tear\n\nCeramic tile and\nupgraded fixtures\n\nTypical Wear and Tear\n\nCondition Comment\nMaterials have minimal\ndepreciation and\nappear to be well-\nmaintained.\n\nMaterials have minimal\ndepreciation and\nappear to be well-\nmaintained.\n\nMaterials have minimal\ndepreciation and\nappear to be well-\nmaintained.\n"} diff --git a/chunks/json/f6dd6c75765fd2cdb6aaca9b14443d09150f4daf4496d7325d5e3a9949f11a42.json b/chunks/json/f6dd6c75765fd2cdb6aaca9b14443d09150f4daf4496d7325d5e3a9949f11a42.json new file mode 100644 index 0000000000000000000000000000000000000000..b48aa95d788a60d28f0ccf68d08c00b7593b1e65 --- /dev/null +++ b/chunks/json/f6dd6c75765fd2cdb6aaca9b14443d09150f4daf4496d7325d5e3a9949f11a42.json @@ -0,0 +1 @@ +{"chunk":{"char_end":381256,"char_start":379527,"chunk_id":"chk_7b016a5038a3d6e6","chunk_index":212,"chunk_sha256":"f6dd6c75765fd2cdb6aaca9b14443d09150f4daf4496d7325d5e3a9949f11a42","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"f6dd6c75765fd2cdb6aaca9b14443d09150f4daf4496d7325d5e3a9949f11a42","token_estimate":432,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"The following table describes how to determine the value of the land based on when and how the borrower acquired the land.\n\nDate of Land Purchase\n\nValue of the Land\n\nDocumentation\nRequirements\n\nMore than 12 months\npreceding the loan\napplication.\n\nThe current appraised\nvalue.\n\nNone.\n\n12 or fewer months\npreceding the date of the\nloan application.\n\nThe lesser of the sales price\nor the current appraised\nvalue.\n\nThe lender must document\nthe borrower’s cash\ninvestment by obtaining:\n\n• a copy of the\nsettlement\nstatement,\n\n• a copy of the\n\nwarranty deed that\nshows there are no\noutstanding liens\nagainst the\nproperty, or\n\n• a copy of the release\nof any prior liens(s).\n\nThe borrower acquired the\nland at any time as a gift,\n\nThe current appraised\n\nThe lender must obtain\nappropriate documentation\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 153 of 166\n\nUAD 3.6 Policy\n\nDate of Land Purchase\n\nValue of the Land\n\nDocumentation\nRequirements\n\ninheritance, or other non-\npurchase transaction.\n\nvalue.\n\nto verify the acquisition and\ntransfer of ownership of the\nland.\n\nTrade Equity from the Borrower’s Existing Manufactured Home\n\nTrade equity from the borrower’s existing manufactured home may be used as part of the borrower’s minimum down\npayment requirement. The maximum equity contribution from the traded manufactured home is 90% of the retail value for\nthe traded manufactured home based on the NADA Manufactured Housing Appraisal Guide except:\n\n•\n\nIf the borrower has owned the traded manufactured home for less than 12 months preceding the date of the loan\napplication, the maximum equity contribution is the lesser of 90% of the retail value or the lowest price at which the\nhome was sold during that 12 month period.\n"} diff --git a/chunks/json/f6e3451d0d933b8e07b8ce94470700225682ff096585d14d98419a1b6ca50c48.json b/chunks/json/f6e3451d0d933b8e07b8ce94470700225682ff096585d14d98419a1b6ca50c48.json new file mode 100644 index 0000000000000000000000000000000000000000..4c08a0c99776de8b74e5c3b8c7f982f0d91c8750 --- /dev/null +++ b/chunks/json/f6e3451d0d933b8e07b8ce94470700225682ff096585d14d98419a1b6ca50c48.json @@ -0,0 +1 @@ +{"chunk":{"char_end":59881,"char_start":58211,"chunk_id":"chk_406dce7f241180c4","chunk_index":80,"chunk_sha256":"f6e3451d0d933b8e07b8ce94470700225682ff096585d14d98419a1b6ca50c48","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"f6e3451d0d933b8e07b8ce94470700225682ff096585d14d98419a1b6ca50c48","token_estimate":418,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"6 points space from TAB – “Planned Unit Development” “Condominium”\n“Cooperative” “Condop” set 9/11 Myriad Pro Bold x 45 picas, 6 points space\nto checkboxes; 1 pica 6 points between each; sets initial cap.\n\nCK-TAB\n\nAppendix E: Report Style Guide\n\nPage 26 of 90\n\nVersion 1.4\n\nCK-1I – Checkbox one column Indented\n\nTEXT\n\n9/11 Myriad Pro Regular x 22 picas; no extra space above.\n\nINDENT Align left and text indent 1 pica.\n\nCK-1I\n\nNOTES\n\nCheckboxes set 12-point Wingdings2 “R”, unchecked boxes set 12-point\nWingdings2 “#” with 7 points space between; sets sentence case; Y/N\nabove.\n\nWingdings may be used as an alternative. The goal is to match the PDFs\nprovided in the report layouts (Appendix C-1, C-2, C-3) and sample\nscenarios (Appendix D-1, D-2, D-3).\n\n• Tables do not break from page to page UNLESS they are more than one full page long. In this case, the\ntable only breaks before a major table heading (TB_sub-H1, TB-SCA_sub-H1, TB-SCA_H2). Regular text\nfollows below the table on the same page. Table column heads repeat on subsequent pages.\n\n• Standard tables (meaning most tables) set in one page-column width (22 picas) or two page-column width\n\n(45 picas).\n\n• Column widths are equal, unless noted in Part 2. Specific Section Details.\n\n• All rules in standard tables are ½ point and 50% black. Rules set top and bottom, and interior verticals\n\nonly.\n\n• Outermost cells, left and right, do not take a vertical rule unless otherwise noted in Part 2. Specific Section\n\nDetails.\n\n• Table column heads (TCH) only take rule below (no vertical rules between or rule above).\n\n• Table text (TB) indents left and right 4 points, 3 points top and bottom from edge of cell.\n"} diff --git a/chunks/json/f6ea06d4153bbb212d871c55213fc3268e000457fa64f35a9f8a7488929502dd.json b/chunks/json/f6ea06d4153bbb212d871c55213fc3268e000457fa64f35a9f8a7488929502dd.json new file mode 100644 index 0000000000000000000000000000000000000000..beebd4fe88315669042fbdda6512293c5b99e2ef --- /dev/null +++ b/chunks/json/f6ea06d4153bbb212d871c55213fc3268e000457fa64f35a9f8a7488929502dd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16102,"char_start":13499,"chunk_id":"chk_9e547f4518759cdc","chunk_index":8,"chunk_sha256":"f6ea06d4153bbb212d871c55213fc3268e000457fa64f35a9f8a7488929502dd","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_617da7ffffdf3019","text_sha256":"f6ea06d4153bbb212d871c55213fc3268e000457fa64f35a9f8a7488929502dd","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Affordable_Housing___Community_Investment___FHFA_57mm4d.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/2581\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/f6f4994c99d648566f158e2480c0513cde2452a8c0eb0c6692589c25d242a736.json b/chunks/json/f6f4994c99d648566f158e2480c0513cde2452a8c0eb0c6692589c25d242a736.json new file mode 100644 index 0000000000000000000000000000000000000000..f5addc82abdc990dfdaddece407e5ef3e2d16f89 --- /dev/null +++ b/chunks/json/f6f4994c99d648566f158e2480c0513cde2452a8c0eb0c6692589c25d242a736.json @@ -0,0 +1 @@ +{"chunk":{"char_end":34052,"char_start":33426,"chunk_id":"chk_5db4f9c65656c895","chunk_index":54,"chunk_sha256":"f6f4994c99d648566f158e2480c0513cde2452a8c0eb0c6692589c25d242a736","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"f6f4994c99d648566f158e2480c0513cde2452a8c0eb0c6692589c25d242a736","token_estimate":508,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Reconciliation of Market Value (H1) ................................................................................................................... 74\n\nApparent Defects, Damages, Deficiencies (H1) .................................................................................................. 74\n\nReconciliation Exhibits (H1) ................................................................................................................................ 76\n\nRevision History ............................................................................................................................................ 76\n"} diff --git a/chunks/json/f708c5f4d63fedda0f5a0dc694254b3b77410591b98d3c3741723a0d274c511d.json b/chunks/json/f708c5f4d63fedda0f5a0dc694254b3b77410591b98d3c3741723a0d274c511d.json new file mode 100644 index 0000000000000000000000000000000000000000..86f073b83bff5e870922f897c062632ab36526c6 --- /dev/null +++ b/chunks/json/f708c5f4d63fedda0f5a0dc694254b3b77410591b98d3c3741723a0d274c511d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2089,"char_start":1637,"chunk_id":"chk_811709c64d31712b","chunk_index":1,"chunk_sha256":"f708c5f4d63fedda0f5a0dc694254b3b77410591b98d3c3741723a0d274c511d","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"f708c5f4d63fedda0f5a0dc694254b3b77410591b98d3c3741723a0d274c511d","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Table Column Headers ........................................................................................................................................................................................................... 5\n\nDocument Conventions ......................................................................................................................................................................................................... 6\n"} diff --git a/chunks/json/f71bc993daf6af98cca03512a2c72e444c83a120ea698a01f46f0832f4c7f090.json b/chunks/json/f71bc993daf6af98cca03512a2c72e444c83a120ea698a01f46f0832f4c7f090.json new file mode 100644 index 0000000000000000000000000000000000000000..8e9595d6c881a39789989df1720a27d234bca346 --- /dev/null +++ b/chunks/json/f71bc993daf6af98cca03512a2c72e444c83a120ea698a01f46f0832f4c7f090.json @@ -0,0 +1 @@ +{"chunk":{"char_end":34319,"char_start":32625,"chunk_id":"chk_20e00a8ec5ebf749","chunk_index":20,"chunk_sha256":"f71bc993daf6af98cca03512a2c72e444c83a120ea698a01f46f0832f4c7f090","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"f71bc993daf6af98cca03512a2c72e444c83a120ea698a01f46f0832f4c7f090","token_estimate":424,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Reporting Format:\nTotal Financial Assistance – Currency, whole\ndollars only (if applicable) Description of\nAnalysis of Financial Assistance – Text\nThe PDF creator will automatically insert a\nsemicolon to separate the data values.\n\nExamples:\n$5000;There is a financial assistance amount\nthat is unknown.;\nDown payment assistance, plus furniture of\nunknown value.\n$5000; Down payment assistance.\n\nNote: Financial assistance or concessions\npaid by any party on behalf of the borrower\ninclude both monetary and non-monetary\n\nPage 17 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nNeighborho\nod Section\n\nitems, including below-market-rate mortgage\nfinancing, gifts of personal property, payment\nof property taxes and/or HOA dues for a\nperiod of time, etc.\n\nOne-Unit Housing Trends\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n•\n\nProperty Values\nThe appraiser must indicate whether property\nvalues for one-unit housing in the subject’s\nneighborhood are increasing, stable, or\ndeclining. Only one selection is permitted.\n\nDemand/Supply\nThe appraiser must indicate whether the\ndemand/supply of one-unit housing in the\nsubject property’s neighborhood is in shortage,\nin balance, or over supply. Only one selection\nis permitted.\n\nMarketing Time\nThe appraiser must indicate whether the\nmarketing time for one-unit housing is under 3\nmths, 3– 6 mths, or over 6 mths. Only one\nselection is permitted.\n"} diff --git a/chunks/json/f71bfcc748b1738bbcd965fb5cbfe3d3d7c29030ba701dd8024ca170acb4e842.json b/chunks/json/f71bfcc748b1738bbcd965fb5cbfe3d3d7c29030ba701dd8024ca170acb4e842.json new file mode 100644 index 0000000000000000000000000000000000000000..5163e407ab549ccc5fdb936d3c333e375ca388e1 --- /dev/null +++ b/chunks/json/f71bfcc748b1738bbcd965fb5cbfe3d3d7c29030ba701dd8024ca170acb4e842.json @@ -0,0 +1 @@ +{"chunk":{"char_end":142517,"char_start":140858,"chunk_id":"chk_9d2f8b7e7302dfaa","chunk_index":64,"chunk_sha256":"f71bfcc748b1738bbcd965fb5cbfe3d3d7c29030ba701dd8024ca170acb4e842","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"f71bfcc748b1738bbcd965fb5cbfe3d3d7c29030ba701dd8024ca170acb4e842","token_estimate":415,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Appendix E: UCD Implementation Guide\n\nPage 59 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 LOAN TERMS\n\n4.0 Loan Terms\n\nThe Loan Terms table is included in the following Closing Disclosure Variations:\n\nTable 43. Required Sections for each Closing Disclosure Variation -- UPDATED\n\nForm\nField ID\n\nForm Section Name\n\nPurchase Transactions Only\n\nModel Form\n\nSplit-Borrower Only\n\nNon-Seller Transactions\nOnly Alternate Form\n\n4.0\n\nLoan Terms Table\n\n✓\n\n✓\n\n✓\n\n4.0 Loan Terms is a summary table where borrowers can identify the key loan terms. Loan Terms reflects the\nborrower’s legal obligation to the creditor, based on information that is known or should reasonably be known\nby the creditor at time of disclosure.\n\nFigure 30 shows the Loan Terms table, which provides information about:\n\n1. Loan amount - whether, when, and how high it can increase\n\n2.\n\nInterest rate - whether, when and how high it can increase\n\n3. Periodic principal and interest (P&I) payment – whether, when, and how high it can increase\n\n4. Prepayment penalty – whether, when, and how high it can increase\n\n5. Balloon payment -amount and when it must be paid.\n\n4.0 Loan Terms\n\nCan this amount increase after closing? If yes:\n\n4.1 Loan Amount\n\n4.1.1 $162,000 4.1.2 NO/YES\n\n4.1.3 • Can go / Goes as high as $220,000.\n• Can increase / Increases until year 4\n\n4.2 Interest Rate\n\n4.2.1 3.875%\n\n4.2.2 NO/YES\n\n4.2.3 • Adjusts every 3 years starting in year 6\n\n• Can go / Goes as high as 12% in year 14\n\n• Can increase / Increases loan term to 35 years\n\n• See AIR T able on page 4 for details\n\n4.3 Monthly Principal & Interest\nSee Projected Payments below for your\nEstimated Total Monthly Payment\n"} diff --git a/chunks/json/f7248b1e78320c364877c41184646eaaa8fc7a8697ad75e62df1a4a3375ab251.json b/chunks/json/f7248b1e78320c364877c41184646eaaa8fc7a8697ad75e62df1a4a3375ab251.json new file mode 100644 index 0000000000000000000000000000000000000000..5e34387dbff5e9ad8acfa12aa7be24890ac459a0 --- /dev/null +++ b/chunks/json/f7248b1e78320c364877c41184646eaaa8fc7a8697ad75e62df1a4a3375ab251.json @@ -0,0 +1 @@ +{"chunk":{"char_end":235603,"char_start":233993,"chunk_id":"chk_f98fd05d10ceaab0","chunk_index":138,"chunk_sha256":"f7248b1e78320c364877c41184646eaaa8fc7a8697ad75e62df1a4a3375ab251","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"f7248b1e78320c364877c41184646eaaa8fc7a8697ad75e62df1a4a3375ab251","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The location of the rowhouse / townhouse when there are other properties\nabove or below.\n•\nTop Unit\n• Middle Unit\n•\nBottom Unit\n\nYear Built and Construction Method\n\nDwelling Exterior: Year Built and Construction Method\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n8.010\n\nYear Built\n\nAlways required\n\nyyyy\n\nDefinition / Additional Guidance\n\nYear Built: The calendar year in which the original construction of the structure\nwas completed.\n\nExamples:\n•\n\nDwelling was started in 2024 and completed in 2025. The year the\nstructure was completed (2025) would be reported.\nDwelling was originally built in 1950, and an addition constructed in 2002.\nThe year of the original part of the structure (1950) would be reported.\n\n•\n\n8.010\n\nYear Built\n\nAlways required\n\nYes | No\n\nYear Built Estimated: Indicates whether Year Built is an estimate.\nNote:\n•\n\nIf Year Built is unknown or unavailable to the appraiser in the normal\ncourse of business, estimate the year the structure was built.\nIf Yes, Year Built displays with a tilde (~).\n\n•\n\nAppendix F-1: URAR Reference Guide\n\nPage 96 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nDwelling Exterior: Year Built and Construction Method\n\nReport\nField ID\n\n8.011\n\nReport Label\n\nWhen to Include\n\nConstruction\nMethod\n\nRequired if Structure\nDesign is not High-rise,\nMid-rise, or Low-rise\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from\ntable\n(Construction\nMethod)\n\nDefinition / Additional Guidance\n\n•\nContainer\n• Manufactured\n• Modular\n•\n•\n•\n•\n\nOn-Frame Modular\nSite Built\n3D Technology\nOther (Describe)\n"} diff --git a/chunks/json/f749be4b4edb7300f80f54a1b6e0a87322809b87167ab486558b2b23ed5a2518.json b/chunks/json/f749be4b4edb7300f80f54a1b6e0a87322809b87167ab486558b2b23ed5a2518.json new file mode 100644 index 0000000000000000000000000000000000000000..fc77dddcfa3b1389deaa7da58fcc8f742200c19f --- /dev/null +++ b/chunks/json/f749be4b4edb7300f80f54a1b6e0a87322809b87167ab486558b2b23ed5a2518.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29767,"char_start":28156,"chunk_id":"chk_72c7f9d128a85b0b","chunk_index":17,"chunk_sha256":"f749be4b4edb7300f80f54a1b6e0a87322809b87167ab486558b2b23ed5a2518","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"f749be4b4edb7300f80f54a1b6e0a87322809b87167ab486558b2b23ed5a2518","token_estimate":403,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Sales Comparison Approach Exhibits\n\nComparable #\n\nComparable #\n\nComparable #\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nRental Information\n\nRent Schedule\n\nSubject Property Rental Information\n\nCurrently\nRented\n\nOccupancy\n\nMonthly\nRent\n\nMonth-to-\nMonth\n\nLease Start\n\nRent\nControl\n\nRent\nConcessions\n\nUtilities/\nServices\nIncluded\n\nFurnished\n\n[Unit\nIdentifier]\n\nDescription of Rent Control and Impact to Value/Marketability\n\nActual Income (Monthly)\n\nRent\n\n[Unit Identifier]\n\nOpinion of Market Income (Monthly)\n\nRent\n\n[Unit Identifier]\n\nSubtotal\n\nSubtotal\n\nOther Real Property Rental Income\n\nOther Real Property Rental Income\n\nSubtotal\n\nTotal\n\nComparable Rental Properties\n\nSubtotal\n\nTotal\n\nSubject Property\n\nComparable #\n\nComparable #\n\nComparable #\n\nComparable #\n\nComparable #\n\nData Source:\n\nData Source:\n\nData Source:\n\nData Source:\n\nData Source:\n\nLease Start Date:\n\nLease Start Date:\n\nLease Start Date:\n\nLease Start Date:\n\nLease Start Date:\n\nActual Rent:\n\nActual Rent:\n\nActual Rent:\n\nActual Rent:\n\nActual Rent:\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nComparable Rental Analysis\n\nSubject\n[Unit\nIdentifier]\n\nComparables\n\n#\n\n#\n\n#\n\nSubject\n[Unit\nIdentifier]\n\nComparables\n\n#\n\n#\n\n#\n\nProximity to Subject\n\nNeighborhood Name\n\nProject Name\n\nProject Common\nAmenities/Services\n\nSite Influence\n\nView from Unit\n"} diff --git a/chunks/json/f759cb01c44ceeb0bf1ef2fffbf68c0722611c6dbfb6b322be9b2677f27eef69.json b/chunks/json/f759cb01c44ceeb0bf1ef2fffbf68c0722611c6dbfb6b322be9b2677f27eef69.json new file mode 100644 index 0000000000000000000000000000000000000000..0dbffd12cec86b3144f116c30547afb19a596d1f --- /dev/null +++ b/chunks/json/f759cb01c44ceeb0bf1ef2fffbf68c0722611c6dbfb6b322be9b2677f27eef69.json @@ -0,0 +1 @@ +{"chunk":{"char_end":430629,"char_start":429021,"chunk_id":"chk_413ee7b79b830420","chunk_index":248,"chunk_sha256":"f759cb01c44ceeb0bf1ef2fffbf68c0722611c6dbfb6b322be9b2677f27eef69","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"f759cb01c44ceeb0bf1ef2fffbf68c0722611c6dbfb6b322be9b2677f27eef69","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"ABC Mortgage Company\n456 Somewhere Ave\nSometown, NV 55555\n\nCompany Name\n\nCompany Address\n\nAppraiser\n\nName\nCompany Name\nCompany Address\n\nZYX Appraisal Management\nCompany\n123 Main St\nSomecity, IA 40121\n\nCredentials\n\nID\nState\nExpires\n\n222222\nMD\n12/15/2020\n\nAmy Appraiser\nXYZ Appraisal Company\n22 A St NE\nWashington DC 10001\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nLicensed Residential Appraiser\n3333333333\nMD\n02/21/2021\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n08/07/2019\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n1234 Anywhere Pl\nAnyplace, MD 20854\nRiver\nThree Trees\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nAttached\n1\n0\nNo\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nProperty on Native American Lands\nSubject Site Owned in Common\nHomeowner Responsible for all Exterior Maintenance\nof Dwelling(s)\nNew Construction\n\nYes No\n \n \n \n \n \n \n \n\n \n\nOwnership Rights\n\nProperty Rights Appraised\n\nFee Simple\n\nAll Rights Included in Appraisal\n\nYes\n\nLegal Description\n\nBlock H Lot XX of Wheel of Fortune\n\nAppraiser Reference ID LN1265431Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n\nUniform Residential Appraisal Report\n\nPage 3 of 22\n\nSite\n\nTotal Site Size\n\n1,765 Sq. Ft.\n\nNumber of Parcels\n\n1\n\nAssessor Parcel Number (APN)\n160403459625-67\n\nAPN Description\nLand with Dwelling\n\nParcel Size\n1,765 Sq. Ft.\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\n"} diff --git a/chunks/json/f774154fc41f1410f721de8cbc6fa4e3fe58ea3a98932fc453d1c6e8892d843b.json b/chunks/json/f774154fc41f1410f721de8cbc6fa4e3fe58ea3a98932fc453d1c6e8892d843b.json new file mode 100644 index 0000000000000000000000000000000000000000..eaa67d53fb4f6a0efaa54109102a64b5540c3985 --- /dev/null +++ b/chunks/json/f774154fc41f1410f721de8cbc6fa4e3fe58ea3a98932fc453d1c6e8892d843b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8744,"char_start":7142,"chunk_id":"chk_04f5721eb1417739","chunk_index":6,"chunk_sha256":"f774154fc41f1410f721de8cbc6fa4e3fe58ea3a98932fc453d1c6e8892d843b","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2d4aaec60fd63c08","text_sha256":"f774154fc41f1410f721de8cbc6fa4e3fe58ea3a98932fc453d1c6e8892d843b","token_estimate":401,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance.pdf"]},"text":"• Dwelling Exterior\n\no Provide guidance for Front Door Elevation, specifically the “Notes” and “Examples” sections\n\nin Appendix F URAR Reference Guide.\n\no Provide instructions for explanations regarding how Condition Status is to be filled out when\n\na Recommended Action has been assigned to the Apparent Defects, Damages, and\nDeficiencies subsection.\n\no Provide definitions for Noncontinuous Finished Area.\n\n• Unit Interior\n\no Provide instructions for Levels in Unit and Level and Room Detail.\n\nAppendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance v1.0\n\nPage 5\n\no Provide definitions for Overall Update Status for Bathrooms and Overall Update Status for\n\nFlooring.\n• Sales Comparison Approach\n\no Provide guidance around Key Concepts in the Reference Guide.\n\n▪ Fields that are Not Applicable.\n▪ General Guidance on Dynamic Rows.\n▪ Adjustments (overall/rollup adjustments vs line-item adjustments).\n\n5. Provide the user access to the Quality and Condition rating definitions provided by the GSEs in Appendix F-\n\n1 URAR Reference Guide on the Fannie Mae UAD and Freddie Mac UAD pages.\nPurpose: Quality and Condition ratings describe the physical quality and condition of a property as of the\neffective date of the appraisal on an absolute basis, not on a relative basis or how a property relates to other\nproperties. Linking to this information provides easy access to the reference guide for selecting the\nappropriate quality and condition ratings based on the criteria defined.\n\n6. Check that the section commentary and discrete data fields are used as intended.\n"} diff --git a/chunks/json/f78f22303ff660640302a63a5c0e8fb7fda8d0e26c01de84bb38b8e5c61bc199.json b/chunks/json/f78f22303ff660640302a63a5c0e8fb7fda8d0e26c01de84bb38b8e5c61bc199.json new file mode 100644 index 0000000000000000000000000000000000000000..af44d8f2ce848960c54695c9a8313cc68babdec8 --- /dev/null +++ b/chunks/json/f78f22303ff660640302a63a5c0e8fb7fda8d0e26c01de84bb38b8e5c61bc199.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6579,"char_start":4912,"chunk_id":"chk_9f5de2a5b037eb3d","chunk_index":3,"chunk_sha256":"f78f22303ff660640302a63a5c0e8fb7fda8d0e26c01de84bb38b8e5c61bc199","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d6b9a54a1de1ce5b","text_sha256":"f78f22303ff660640302a63a5c0e8fb7fda8d0e26c01de84bb38b8e5c61bc199","token_estimate":417,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-april-15-2023.pdf"]},"text":"HomeStyle® Energy\n\nSelling Guide Announcement SEL-2022-10 expanded the list of exceptions to the home energy report and clarified that lenders are\nonly required to verify, and retain documentation in the loan file, that an improvement is on the EPA ENERGY STAR-certified\nproduct list. The DU message reminding lenders of the HomeStyle Energy requirements will be updated to specify when an\nenergy report is and is not required.\n\nHomeownership Education and Counseling\n\nSelling Guide Announcement SEL-2022-10 updated the requirements of the permanent loan file to include a copy of the\nSupplemental Consumer Information Form (Form 1103), which includes information about housing counseling and education. The\nDU homeownership education and counseling messages will be updated to clarify education and counseling options, as well as\ndocumentation requirements.\n\nSpecial Feature Code Update\n\nLender Letter LL-2022-05 was updated on Feb. 1, 2023, and removed the requirement for delivery of Special Feature Code (SFC)\n873. DU will continue to issue the message indicating when a first-time homebuyer case is eligible for an LLPA waiver, but will no\nlonger issue SFC 873.\n\n© 2023 Fannie Mae.\n\n3.24.23\n\n2 of 3\n\nCash-out Refinance Transactions\n\nSelling Guide Announcement SEL-2023-01 implemented new eligibility requirements for cash-out refinance transactions to\nrequire that any existing first mortgage being paid off through the transaction be at least 12 months old as measured from the\nnote date of the existing loan to the note date of the new loan. The DU message issued on all cash-out refinance transactions will\nbe updated to remind lenders of these requirements.\n"} diff --git a/chunks/json/f7914a2ab295c3d7051d553413a740de575f8a955e3b8292d898c5d81591f182.json b/chunks/json/f7914a2ab295c3d7051d553413a740de575f8a955e3b8292d898c5d81591f182.json new file mode 100644 index 0000000000000000000000000000000000000000..de197574d8aa6a1233c1009e21e6cffa7a66e2e2 --- /dev/null +++ b/chunks/json/f7914a2ab295c3d7051d553413a740de575f8a955e3b8292d898c5d81591f182.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9670,"char_start":8068,"chunk_id":"chk_f91e60cb7363bf08","chunk_index":5,"chunk_sha256":"f7914a2ab295c3d7051d553413a740de575f8a955e3b8292d898c5d81591f182","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_aae08e64227622e0","text_sha256":"f7914a2ab295c3d7051d553413a740de575f8a955e3b8292d898c5d81591f182","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.xml/MH1_Appraisal_v1.3.xml"]},"text":"YearBuilt\n\n0\n\nHeatingSystem\n\n-44300\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n17000\n\nOverallConditionRating\n\n10000\n\nOutdoorLivingAmenity\n\n9000\n\nVehicleStorage\n\n-5000\n\nOutbuilding\n\n0\n\nOutbuilding\n\n433700\n\nSouthEast\n\nLess\n\nfalse\n\n153\n\n3\n\n9.09\n\n88700\n\nfalse\n\nRadon\n\nDwelling\n\n1981\n\nfalse\n\nMultiWide\n\n2250\n\n0\n\nfalse\n\n3\n\n2\n\n0\n\nC4\n\nQ4\n\nFormica Countertops | Vinyl Floor\n\nNotUpdated\n\nFormica Countertops | Vinyl Floor\n\nKitchen\n\nNotUpdated\n\nManufactured\n\nEngineeredWood\n\nDamagedAndFunctional\n\nExteriorWallsAndTrim\n\nCrawlSpace\n\nOther\n\nPier with Tie Down\n\nFoundation\n\ntrue\n\nComposition\n\nDamagedAndFunctional\n\nRoof\n\nC5\n\nQ4\n\n1\n\nPropane\n\nForcedWarmAir\n\nOutbuilding\n\ntrue\n\nWorkshop\n\n0\n\n500\n\nPropertyPhoto\n\n\\\\Images\\MH1_Comp3.png\n\nimage/png\n\n406\n\n345000\n\nSettledSale\n\n25.165170\n\n-51.328128\n\nMagic Hill\n\n1\n\nIndoorFireplace\n\nWholeHome\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nC3\n\nQ4\n\nfalse\n\ntrue\n\nFeeSimple\n\nfalse\n\nfalse\n\nfalse\n\nMineralRights\n\nfalse\n\nfalse\n\n2018-03-30\n\n2019-05-10\n\n345000\n\nSale\n\nShortSale\n\nFEMASpecialFloodHazardArea\n\nGravel\n\nRural\n\nfalse\n\nPark\n\nRiver\n\nfalse\n\nBodyOfWater\n\n1\n\nFull\n\nWoods\n\n222 Canal Blvd\n\nAnywhere City\n\n20141\n\nVA\n\nDriveway\n\nGravel\n\n5\n\nfalse\n\nDetached\n\nGarage\n\n2\n\n0\n\nSalesConcessions\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n-25000\n\nSiteSize\n\n-5000\n\nNeighborhoodName\n\n-10000\n\nPropertyStreetAccessAndSurface\n\n-10000\n\nSiteInfluence\n\n0\n\nApparentEnvironmentalCondition\n\n-3000\n\nView\n\n15000\n\nWaterFrontage\n\n0\n\nYearBuilt\n\n20800\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n7000\n\nOverallConditionRating\n\n-10000\n\nOverallQualityRating\n\n10000\n\nOutdoorLivingAmenity\n\n1500\n\nWholeHomeAmenity\n\n5000\n\nOutbuilding\n\n0\n\nOutbuilding\n"} diff --git a/chunks/json/f7a108f145b6f570e60b7c28d6e47cf9665871cf3113b3090883da49fff6534b.json b/chunks/json/f7a108f145b6f570e60b7c28d6e47cf9665871cf3113b3090883da49fff6534b.json new file mode 100644 index 0000000000000000000000000000000000000000..d395dfe79669b26ffb79b50ac9046557cc212f8b --- /dev/null +++ b/chunks/json/f7a108f145b6f570e60b7c28d6e47cf9665871cf3113b3090883da49fff6534b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14935,"char_start":13404,"chunk_id":"chk_07be1dcb1c21f5c5","chunk_index":7,"chunk_sha256":"f7a108f145b6f570e60b7c28d6e47cf9665871cf3113b3090883da49fff6534b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"f7a108f145b6f570e60b7c28d6e47cf9665871cf3113b3090883da49fff6534b","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":".PARTIES\n..APPRAISER\n...CONTACT_DETAIL\n.…CONTACT_POINT\nContact Point Type**\n\nContact Point Value**\n\nT\nR\nCR\nCR\nT\nT\nT\nT\nT\n\nR\nT\nT\n\nR\n\nT\nT\nT\nT\nT\nT\n\nT\nT\n\nT\nR\nCR\nCR\nT\nT\nT\nT\nT\n\nR\nR\nR\n\nR\n\nT\nT\nT\nT\nT\nT\n\nT\nT\n\nT\nR\nCR\nCR\nT\nT\nT\nT\nT\n\nR\nR\nR\n\nR\n\nT\nT\nT\nT\nT\nT\n\nT\nT\n\nT\nR\nCR\nCR\nT\nT\nT\nT\nT\n\nR\nN/A\nN/A\n\nR\n\nT\nT\nT\nT\nT\nT\n\nT\nT\n\nT\nR\nCR\nCR\nT\nT\nT\nT\nT\n\nR\nT\nT\n\nR\n\nT\nT\nT\nT\nT\nT\n\nT\nT\n\nT\nR\nCR\nCR\nT\nT\nT\nT\nT\n\nR\nR\nR\n\nR\n\nT\nT\nT\nT\nT\nT\n\nT\nT\n\nT\nR\nCR\nCR\nT\nT\nT\nT\nT\n\nR\nR\nR\n\nR\n\nT\nT\nT\nT\nT\nT\n\nT\nT\n\nT\nR\nCR\nCR\nT\nT\nT\nT\nT\n\nR\nN/A\nN/A\n\nR\n\nT\nT\nT\nT\nT\nT\n\nT\nT\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 5 of 211\n\nDocument Version 1.4\n\nMISMO Data Point Name\n\n1004/70\n\n1004\nHybrid/\n70H\n\n1004\nDesktop/\n70D\n\n2055\n\n1073/465\n\n1073\nHybrid/\n465H\n\n1073\nDesktop/\n465D\n\n1075/466\n\n.PARTIES\n..APPRAISER\n...APPRAISER_LICENSE\nAppraiser License Identifier**\n\nAppraiser License Expiration Date**\n\nAppraiser License State**\n\nAppraiser License Type**\n\nAppraiser License Type Other Description**\n\n.PARTIES\n..SUPERVISOR\nSupervisor Name**\n\nSupervisor Company Name**\n\nSupervisor Street Address**\n\nSupervisor City**\n\nSupervisor State**\n\nSupervisor Postal Code**\n\n.PARTIES\n..SUPERVISOR\n...CONTACT_DETAIL\n.…CONTACT_POINT\nContact Point Type**\n\nContact Point Value**\n\n.PARTIES\n..SUPERVISOR\n...APPRAISER_LICENSE\nAppraiser License Identifier**\n\nAppraiser License Expiration Date**\n\nAppraiser License State**\n\nAppraiser License Type**\n\n.PARTIES\n..SUPERVISOR\n...INSPECTION (Subject)\nAppraisal Inspection Property Type\n\nAppraisal Inspection Type\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n"} diff --git a/chunks/json/f7a3df6373e908cbf2fcabc85527ec0542be4a148fa9057b1dbb8835c502eb0e.json b/chunks/json/f7a3df6373e908cbf2fcabc85527ec0542be4a148fa9057b1dbb8835c502eb0e.json new file mode 100644 index 0000000000000000000000000000000000000000..43c8047e0a2b319431141ee4a0edbcb8c7f8d394 --- /dev/null +++ b/chunks/json/f7a3df6373e908cbf2fcabc85527ec0542be4a148fa9057b1dbb8835c502eb0e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":97228,"char_start":95580,"chunk_id":"chk_15b674ad5000fe09","chunk_index":56,"chunk_sha256":"f7a3df6373e908cbf2fcabc85527ec0542be4a148fa9057b1dbb8835c502eb0e","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"f7a3df6373e908cbf2fcabc85527ec0542be4a148fa9057b1dbb8835c502eb0e","token_estimate":412,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"In some jurisdictions, the price of prior sale(s)\nor transfer(s) is not disclosed in the public\nrecords or otherwise available to the\nappraiser within the normal course of\nbusiness. In such cases, an appraiser may\nleave this field blank and make a comment in\nthe “Analysis of prior sale or transfer history of\nthe subject property and comparable sales”\nfield or elsewhere in the report that the price\nof the sale or transfer is not available. Non-\nmonetary entries such as “unknown”,\n“unavailable”, etc. are not permitted in this\nfield.\n\nReporting Format:\nPrice of Prior Sale/Transfer – Currency\n(include a dollar sign), whole dollars only\n\nPage 57 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\nData Source(s), Effective Date of Data\nSource(s) – Prior Sales\n\nThe appraiser must enter the data source(s)\nand effective date(s) of the data source(s)\nassociated with the prior transfer(s) of each\nproperty.\n\nIf the data source is MLS, the appraiser must\nenter the abbreviated MLS organization\nname, followed by a pound sign (#) and the\nspecific listing identifier.\n\nReporting Format:\nData Source(s) – Text\nEffective Date of Data Source(s) –\nmm/dd/yyyy\n\nIndicated Value by Sales Comparison\nApproach $\nThe appraiser must enter the reconciled value\nof the Sales Comparison Approach.\n\nReporting Format:\nIndicated Value by Sales Comparison\nApproach $ – Currency, whole dollars only\n"} diff --git a/chunks/json/f7a732bbad60b5b193d9c26ef904c31e2d80c5a80a956f11a9525ff97d95c082.json b/chunks/json/f7a732bbad60b5b193d9c26ef904c31e2d80c5a80a956f11a9525ff97d95c082.json new file mode 100644 index 0000000000000000000000000000000000000000..85b2e23da2055e7210321e3dadbdeddfdc7b8236 --- /dev/null +++ b/chunks/json/f7a732bbad60b5b193d9c26ef904c31e2d80c5a80a956f11a9525ff97d95c082.json @@ -0,0 +1 @@ +{"chunk":{"char_end":62075,"char_start":61107,"chunk_id":"chk_34eb1d099d50cb41","chunk_index":64,"chunk_sha256":"f7a732bbad60b5b193d9c26ef904c31e2d80c5a80a956f11a9525ff97d95c082","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"f7a732bbad60b5b193d9c26ef904c31e2d80c5a80a956f11a9525ff97d95c082","token_estimate":610,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:25)(cid:23)(cid:3)(cid:5)(cid:5)(cid:10)(cid:76)\n(cid:25)(cid:23)(cid:3)(cid:5)(cid:5)(cid:11)(cid:76)\n\n(cid:17)(cid:66)(cid:66)(cid:69)(cid:36)(cid:52)(cid:71)(cid:46)(cid:69)(cid:76)(cid:30)(cid:46)(cid:47)(cid:46)(cid:69)(cid:46)(cid:60)(cid:41)(cid:46)(cid:76)(cid:27)(cid:21)(cid:76) (cid:25)(cid:23)(cid:3)(cid:5)(cid:5)(cid:12)(cid:76)\n(cid:17)(cid:49)(cid:46)(cid:60)(cid:41)(cid:75)(cid:76)(cid:20)(cid:36)(cid:71)(cid:46)(cid:76)(cid:24)(cid:52)(cid:55)(cid:46)(cid:76)(cid:27)(cid:21)(cid:76) (cid:25)(cid:23)(cid:4)(cid:5)(cid:5)(cid:13)(cid:76)\n(cid:20)(cid:55)(cid:52)(cid:46)(cid:60)(cid:73)(cid:76)(cid:30)(cid:46)(cid:47)(cid:46)(cid:69)(cid:46)(cid:60)(cid:41)(cid:46)(cid:76)(cid:27)(cid:21)(cid:76) (cid:25)(cid:23)(cid:3)(cid:5)(cid:5)(cid:14)(cid:76)\n(cid:17)(cid:28)(cid:20)(cid:76)(cid:30)(cid:46)(cid:47)(cid:46)(cid:69)(cid:46)(cid:60)(cid:41)(cid:46)(cid:76)(cid:27)(cid:21)(cid:76) (cid:25)(cid:23)(cid:3)(cid:5)(cid:5)(cid:15)(cid:76)\n"} diff --git a/chunks/json/f7ae83394bf60e53a98ee88e38f453940f0955ea9652fdb30068e7db98310396.json b/chunks/json/f7ae83394bf60e53a98ee88e38f453940f0955ea9652fdb30068e7db98310396.json new file mode 100644 index 0000000000000000000000000000000000000000..8edfc949542e5db678886243e405059c1bfc7747 --- /dev/null +++ b/chunks/json/f7ae83394bf60e53a98ee88e38f453940f0955ea9652fdb30068e7db98310396.json @@ -0,0 +1 @@ +{"chunk":{"char_end":95603,"char_start":93904,"chunk_id":"chk_c9aefb5142dc0530","chunk_index":56,"chunk_sha256":"f7ae83394bf60e53a98ee88e38f453940f0955ea9652fdb30068e7db98310396","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"f7ae83394bf60e53a98ee88e38f453940f0955ea9652fdb30068e7db98310396","token_estimate":425,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Adjusted Price Per Bedroom\n\nPrice Per Gross Building\nFinished Area\n\nAdjusted Price\n\nComparable Weight\n\nQ4\n\nC3\n\nQ4\n\nC3\n\nQ4\n\nC4\n\n$20,000\n\nQ4\n\nC3\n\nBalcony | Balcony\n| Patio | Patio\n\nBalcony | Balcony\n| Patio | Patio\n\nPatio | Patio\n\n$10,000 Balcony | Balcony\n| Patio | Patio\n\nCarport | 4 | Detached\n800 Sq. Ft.\nDriveway | 4 | Concrete\n\n—\n\nCarport | 4 | Detached\nDriveway | 4 | Concrete\n\nCarport | 4 | Detached\nDriveway | 4 | Concrete\n\nCarport | 4 | Detached\nDriveway | 4 | Concrete\n\n$865,000\n\n$850,000\n\n$(54,600)\n\n$198,850\n\n$99,425\n\n$155\n\n$795,400\n\nLess\n\n$755,000\n\n$750,000\n\n$22,400\n\n$193,100\n\n$96,550\n\n$132\n\n$772,400\n\nLess\n\n$795,000\n\n$780,000\n\n$4,400\n\n$196,100\n\n$98,050\n\n$159\n\n$784,400\n\nMost\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$785,000\n\nReconciliation of Sales Comparison Approach\n\nAll comparables utilized were 4 unit properties. The time adjustment reflects approximately 1% per month for each comparable. The\ncomparables were built in approximately the same time period offering similar overall utility. Most emphasis is placed on comparable 3, which\nbest reflects the subject property.\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2\n\nUniform Residential Appraisal Report\n\nPage 18 of 26\nPage 18 of 26\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Map\n\nThis is where the map of the Sales Comparables, the Rental Comparables, and the GRM Comparables would display.\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2\n"} diff --git a/chunks/json/f7af7b312fed96dc5ff14c90be9ced81071d0cea05942214bed4f92ffd85c017.json b/chunks/json/f7af7b312fed96dc5ff14c90be9ced81071d0cea05942214bed4f92ffd85c017.json new file mode 100644 index 0000000000000000000000000000000000000000..a013f15efcd3a03183b2d1a39c54936b14c8910c --- /dev/null +++ b/chunks/json/f7af7b312fed96dc5ff14c90be9ced81071d0cea05942214bed4f92ffd85c017.json @@ -0,0 +1 @@ +{"chunk":{"char_end":120,"char_start":0,"chunk_id":"chk_c87ddbcbe14c64ee","chunk_index":0,"chunk_sha256":"f7af7b312fed96dc5ff14c90be9ced81071d0cea05942214bed4f92ffd85c017","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_dd965c6a2651f8b7","text_sha256":"f7af7b312fed96dc5ff14c90be9ced81071d0cea05942214bed4f92ffd85c017","token_estimate":38,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Channel___YouTube_fvwsg.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw\"\ndate_accessed: \"2026-01-27T17:47:50.155Z\"\n---\n"} diff --git a/chunks/json/f7b312ad5cccf46ffc2c1a1873706572209fd80342772458207cf622dd3495a2.json b/chunks/json/f7b312ad5cccf46ffc2c1a1873706572209fd80342772458207cf622dd3495a2.json new file mode 100644 index 0000000000000000000000000000000000000000..818776c2aa8ed23d72b05678cb8036173b4c7d76 --- /dev/null +++ b/chunks/json/f7b312ad5cccf46ffc2c1a1873706572209fd80342772458207cf622dd3495a2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1651,"char_start":0,"chunk_id":"chk_4b1582189764cc0d","chunk_index":0,"chunk_sha256":"f7b312ad5cccf46ffc2c1a1873706572209fd80342772458207cf622dd3495a2","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5caeed6ac2d5622f","text_sha256":"f7b312ad5cccf46ffc2c1a1873706572209fd80342772458207cf622dd3495a2","token_estimate":413,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 2055.pdf"]},"text":"Exterior-Only Inspection Residential Appraisal Report\n 2\nThe purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property.\nProperty Address 6\nBorrower 10\nLegal Description 13\nAssessor’s Parcel # 14\nNeighborhood Name 17\nOccupant Owner Tenant Vacant\nProperty Rights Appraised Fee Simple Leasehold Other (describe) 31\nAssignment Type Purchase Transaction Refinance Transaction Other (describe) 35\nLender/Client 36\nIs the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? Yes No\nReport data source(s) used, offering price(s), and date(s). e-2;40\n\nR.E. Taxes $ 16\nCensus Tract 19\n\nTax Year 15\nMap Reference 18\n\nState 8\nCounty 12\n\nOwner of Public Record 11\n\nHOA $ 25 per year per month\n\nSpecial Assessments $ 23\n\n34\nAddress 37\n\nFile # 3 4 4a\n\nCity 7\n\nZip Code 9\n\nS\nU\nB\nJ\nE\nC\nT\n\nPUD\n24\n\n29\n33\n\n27\n\n39\n\n28\n\n32\n\n21\n\n20\n\n22\n\n30\n\n38\n\n26\n\nC\nO\nN\nT\nR\nA\nC\nT\n\nN\nE\nI\nG\nH\nB\nO\nR\nH\nO\nO\nD\n\nS\nI\nT\nE\n\nI\nM\nP\nR\nO\nV\nE\nM\nE\nN\nT\nS\n\n41\n\nI did did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not\n42\nperformed. e-3; 43\n\nContract Price $ 44\nIs there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? Yes No\nIf Yes, report the total dollar amount and describe the items to be paid. 51a; e-4; 51b\n\nIs the property seller the owner of public record? Yes No Data Source(s) 48\n"} diff --git a/chunks/json/f7c91990c1245e5ebd526cb5323882861cf7e09ae432364e4d6bf29c01550b3d.json b/chunks/json/f7c91990c1245e5ebd526cb5323882861cf7e09ae432364e4d6bf29c01550b3d.json new file mode 100644 index 0000000000000000000000000000000000000000..ea45c2dab2cb662780c86dfbf4d9700658e85c4a --- /dev/null +++ b/chunks/json/f7c91990c1245e5ebd526cb5323882861cf7e09ae432364e4d6bf29c01550b3d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13973,"char_start":12189,"chunk_id":"chk_6518e7a16ba630f3","chunk_index":7,"chunk_sha256":"f7c91990c1245e5ebd526cb5323882861cf7e09ae432364e4d6bf29c01550b3d","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_633afc816823b043","text_sha256":"f7c91990c1245e5ebd526cb5323882861cf7e09ae432364e4d6bf29c01550b3d","token_estimate":446,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2025-loan-delivery-release-notes-printable-version.pdf"]},"text":"of effective edit updates including:\n\n•\n•\n\n2 informational edits to validate Property Data Collection (PDC) appraisals\n5 warning edits to validate CPM, interest rate, and MERS MIN\n\n© 2025 Fannie Mae Page 4 of 6\n\nEffective\nDate\n\nImpacted Area\n\nDescription\n\n•\n\n54 edits moving to fatal to validate ULDD Phase 5, Appraisal, Value Acceptance, and\nFTHB\n\nAug 25,\n2025\n\nSep 8,\n2025\n\nSep 22,\n2025\n\nEdit Updates See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing\n\nof effective edit updates including:\n\n•\n•\n•\n\n38 CPM delivery restrictions edits moving from informational to warning\n1 new warning edit to validate desktop appraisal method is permitted\n5 edits moving to fatal to validate wiring instructions, CPM, and Appraisal\n\nEdit Updates See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing\n\nof effective edit updates including:\n\n•\n\n16 new warning edits to validate UAD 3.6 requirements\n\nEdit Updates See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing\n\nof effective edit updates including:\n\n•\n•\n\n3 new informational edits to validate DU casefile ID\n2 edits moving from informational to warning to validate Property Data Collection\n(PDC) appraisals\n\n• Warning edit 1948 to validate ARM cap down percent is moving to fatal for MBS\n\nLoans on 9/11. (For Whole Loans, fatal on 10/27)\n5 edits moving to fatal to validate CPM, interest rate, Appraisal, and Loan Program\n\n•\n\nSep 22,\n2025\n\nWire Details\nVisibility\nEnhancements\n\nLoan Delivery now displays the Account Name, Beneficiary Address, and Beneficiary Message\nfor each wire listed on the Wire Details tab within the Seller Profile section of Loan Delivery.\nFor more information see the Loan Delivery User guide.\n"} diff --git a/chunks/json/f7e4f6c47d17bdee3a3a520a12e8d3393ee610c4930cb4c9e5a68a8a0bb05da7.json b/chunks/json/f7e4f6c47d17bdee3a3a520a12e8d3393ee610c4930cb4c9e5a68a8a0bb05da7.json new file mode 100644 index 0000000000000000000000000000000000000000..82bf69b44902a4ec17c14def8181a685f1562ccb --- /dev/null +++ b/chunks/json/f7e4f6c47d17bdee3a3a520a12e8d3393ee610c4930cb4c9e5a68a8a0bb05da7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":525071,"char_start":523149,"chunk_id":"chk_dc88d5e4dc96863e","chunk_index":298,"chunk_sha256":"f7e4f6c47d17bdee3a3a520a12e8d3393ee610c4930cb4c9e5a68a8a0bb05da7","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"f7e4f6c47d17bdee3a3a520a12e8d3393ee610c4930cb4c9e5a68a8a0bb05da7","token_estimate":480,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"INTEREST_RATE_ADJUSTMENT holds two child containers that capture the loan terms defining\nhow the interest rate can change:\nINTEREST_RATE_ADJUSTMENT_LIFETIME_RULE holds data points conveying the adjustment\nrules that apply for the entire life of the loan.\nINTEREST_RATE_PER_CHANGE_ADJUSTMENT holds data points conveying the adjustment\nrules that apply to a single adjustment. The value of AdjustmentRuleType indicates whether\nthe data points in this container pertain to the initial rate adjustment (“First”) or periodic rate\nadjustments following the first (“Subsequent”). Data from these containers is used to describe\nhow the interest rate can or will change.\n\nAppendix E: UCD Implementation Guide\n\nPage 245 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nV. Consolidated Mapping Guidance\n\nTopic\n\nGuidance\n\nTable 160. Consolidated Mapping Guidance\n\nON E DATA POINT IN XML\nFIL E LABEL + V ALUE ON\nFORM\n\nSometimes one data point is used to represent both the Form Field Name and the Form Field\nValue. For example: SalesContractAmount--the name of the data point conveys the name of\nthe label and the dollar value.\n\nON E L ABEL ON FORM\nMORE THAN ONE DATA\nPOIN T IN XML FILE\n\nSometimes multiple data points must be used to convey the information for a single Form\nField Value on the Closing Disclosure. For example: Two data points, LoanMaturityPeriodCount\n+ LoanMaturityPeriodType provide the value for Loan Term.\n\nON CE IN XML FILE \nMORE THAN ONE\nL OCATION ON FORM\n\n“ O THER” + OTHER\nDESCRIPTION – FREE\nFORM TEXT\n\n“ OTHER” + OTHER\nDESCRIPTION – UCD\nRESTRICTED\n\nPARTIES / PARTY\n\nSome data appear more than once on the form. However, in the XML file data points with\nidentical values located in identical XPaths appear only one time. For For example, the\nproperty address data points providing the values for 1.6 and 17.6 are included in the XML file\none time, even though they appear two times on the Closing Disclosure.\n"} diff --git a/chunks/json/f7ec7f6066d4b306939d338a6aac9983c7152198b542f2e3808a6635777df00c.json b/chunks/json/f7ec7f6066d4b306939d338a6aac9983c7152198b542f2e3808a6635777df00c.json new file mode 100644 index 0000000000000000000000000000000000000000..064ad4794639b7c8cdf56131718ae5981ac8c1ae --- /dev/null +++ b/chunks/json/f7ec7f6066d4b306939d338a6aac9983c7152198b542f2e3808a6635777df00c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":45571,"char_start":43897,"chunk_id":"chk_58ed4ee037b90c4f","chunk_index":25,"chunk_sha256":"f7ec7f6066d4b306939d338a6aac9983c7152198b542f2e3808a6635777df00c","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"f7ec7f6066d4b306939d338a6aac9983c7152198b542f2e3808a6635777df00c","token_estimate":419,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"For FHA, USDA, and VA, refer to the appropriate government agency appraisal\nguidelines.\n\nFree-form\n\nFor FHA, USDA, and VA, refer to the appropriate government agency appraisal\nguidelines.\n\nthe Lender, Client, or\nAMC\n\nAlways required for\nthe Lender, Client, or\nAMC\n\n08.009 Company\n\nAddress\n\nAMC Credentials\n\nAMC licensing information must be provided when required by the jurisdiction in which the subject property is\nlocated. If the client is not an AMC, or if not provided, this information does not display in this subsection.\n\nAssignment Information: Contact Information – AMC Credentials\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n08.010\n\nID\n\nIf applicable\n\nFree-form\n\n08.011\n\nState\n\nIf applicable\n\n2-letter USPS state\ncode\n\nDefinition / Additional Guidance\n\nCredential number issued by the state, referred to by the Appraisal\nSubcommittee (ASC) as “state registration tracking number.”\n\nState for the AMC credential that applies to the assignment.\n\n08.012 Expires\n\nIf applicable\n\nmm/dd/yyyy\n\nExpiration date for the AMC credential.\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 24 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Assignment Information\n\nAppraiser and Supervisory Appraiser\n\nThis portion of the Contact Information subsection shows details about the Appraiser and Supervisory\nAppraiser, if applicable. Contacts display in this subsection when Role is Appraiser or Supervisory Appraiser.\n\nAllowable Answer\n\nAppraiser\n\nAppraiser and Supervisor Role (Choose one or more for each Contact)\n\nDefinition / Additional Guidance\n\nThe person who inspected the subject property and signed the Completion Report.\nNotes:\n•\n"} diff --git a/chunks/json/f7ee5bcbaef449067f979dca4aa1f020a4226d81fcb5dd2dfaaaebe6754ba470.json b/chunks/json/f7ee5bcbaef449067f979dca4aa1f020a4226d81fcb5dd2dfaaaebe6754ba470.json new file mode 100644 index 0000000000000000000000000000000000000000..dbdc712b8b359391ae28e27a7cdce19f82dffe91 --- /dev/null +++ b/chunks/json/f7ee5bcbaef449067f979dca4aa1f020a4226d81fcb5dd2dfaaaebe6754ba470.json @@ -0,0 +1 @@ +{"chunk":{"char_end":21319,"char_start":19715,"chunk_id":"chk_9acc0af975d9a4bb","chunk_index":27,"chunk_sha256":"f7ee5bcbaef449067f979dca4aa1f020a4226d81fcb5dd2dfaaaebe6754ba470","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"f7ee5bcbaef449067f979dca4aa1f020a4226d81fcb5dd2dfaaaebe6754ba470","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Header Text displays on all pages of the report.\n\nPage 10\n\n•\n\nLeft side: DocumentType (UID: 2800.0036, FID: HF.001) = “Completion Report”\n\no Always displays\n\n• Right side: “Page X of XX” (where X stands for page number, and XX for total pages in document)\n\no Always displays\n\nFigure HF - 1\n\nSee Appendix E – Report Style Guide for details displaying the header.\n\nFooter Text displays on every page of the report.\n\n• Completion Version # - AboutVersionIdentifier (UID: 2100.0030, FID: HF.002)\n\no Always displays\n\n• Fannie Mae | Freddie Mac - DocumentFormIssuingEntityNameType (UID: 2100.0052, FID: HF.003)\n\no Always displays\n\nPage 11\n\n• September 2024 - DocumentFormIssuingEntityVersionIdentifier (UID: 2100.0053, FID: HF.004)\n\no Always displays\n\n• Appraiser Reference ID - AppraiserFileIdentifier (UID: 2100.0029, FID: HF.005)\n\no Always displays\n\n• Agency Case File ID - AdditionalValuationIdentifier (UID: 2100.0023, FID: HF.006)\n\no Displays when AdditionalValuationIdentifierType (UID: 2100.0024, FID: HF.006)= \"GovernmentAgency\"\n\n• Client Reference ID - AdditionalValuationIdentifier (UID: 2100.0021, FID: HF.007)\n\no Displays when AdditionalValuationIdentifierType (UID: 2100.0022, FID: HF.007) = \"Client\"\n\n• AMC Reference ID - AdditionalValuationIdentifier (UID: 2100.0025, FID: HF.008)\n\no Displays when AdditionalValuationIdentifierType (UID: 2100.0026, FID: HF.008) = \"ManagementCompany”\n\nFigure HF - 2\n\nSee Appendix E – Report Style Guide for details displaying the footer.\n\nNote: Text can be included in the footer for vendor branding. However, the text must not\n\noverlap the predefined fields.\n"} diff --git a/chunks/json/f7ef86977b1e355b79f62479e9c463fee6b0f897eead47e9730d791d32fdfdd3.json b/chunks/json/f7ef86977b1e355b79f62479e9c463fee6b0f897eead47e9730d791d32fdfdd3.json new file mode 100644 index 0000000000000000000000000000000000000000..73dc9ba8210647d7964fa171b24b94c802dd8994 --- /dev/null +++ b/chunks/json/f7ef86977b1e355b79f62479e9c463fee6b0f897eead47e9730d791d32fdfdd3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":111650,"char_start":110050,"chunk_id":"chk_314ec4bbbc8dcb29","chunk_index":45,"chunk_sha256":"f7ef86977b1e355b79f62479e9c463fee6b0f897eead47e9730d791d32fdfdd3","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"f7ef86977b1e355b79f62479e9c463fee6b0f897eead47e9730d791d32fdfdd3","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"✓\n\n2.1 & 2.3 only\n\nFigure 12 illustrates the Transaction Information section of the Closing Disclosure, which provides information\nabout three of the parties to the transaction.\n\na. Borrower(s): The name and mailing address of each party obligated on the note as the purchaser(s) or\n\nowner(s) of the subject property.\n\nb. Seller(s): The name and address of each party selling the subject property. Seller data must be provided\n\nonly for purchase transactions.\n\nc. Lender: The name and address of the party providing the funding (creditor). In transactions where a\nmortgage broker was involved, this field should identify the Lender, if known, even if the mortgage\nbroker provides the disclosure.\n\n2.0 Transaction Information\n\n2.1 Borrower Michael Jones\n\n123 Anywhere Street, Unit C\n\nAnytown, ST 12345\n\n2.2 Seller\n\nSteve Cole, Jr. and Amy A. Doe\n\n321 Somewhere Drive\n\nAnytown, ST 12345\n\n2.3 Lender Ficus Bank\n\nFigure 12. Transaction Information Section\n\n2. 1 BORROWER\n\n1. I NDI VI DUAL\n\nSince the borrower illustrated in Figure 12 is an individual, he is represented on the Closing Disclosure using the\nname data points in Table 20. The PartyRoleType value shown in these examples is “Borrower.” Appendix I also\n\nAppendix E: UCD Implementation Guide\n\nPage 39 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n2.0 Transaction Information\n\nallows the values of “NonTitleSpouse”, “Titleholder”, and “NonTitleNonSpouseOwnershipInterest” as applicable.\nUCD limits the number of borrowers in the XML file to ten. See PARTY NAME – INDIVIDUAL in Section V.\n\nTable 20. Borrower Individual Name and Mailing Address\n"} diff --git a/chunks/json/f7f509f637230761a03c311650cb0a1e708d6346506a1e902fcb78405d86eae3.json b/chunks/json/f7f509f637230761a03c311650cb0a1e708d6346506a1e902fcb78405d86eae3.json new file mode 100644 index 0000000000000000000000000000000000000000..99f5e8fcf7d65b59c9a40bc7dd5804913d28b24f --- /dev/null +++ b/chunks/json/f7f509f637230761a03c311650cb0a1e708d6346506a1e902fcb78405d86eae3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14767,"char_start":12163,"chunk_id":"chk_5cfb88a35124503c","chunk_index":7,"chunk_sha256":"f7f509f637230761a03c311650cb0a1e708d6346506a1e902fcb78405d86eae3","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_75c54d5d6452a9a2","text_sha256":"f7f509f637230761a03c311650cb0a1e708d6346506a1e902fcb78405d86eae3","token_estimate":771,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Releases_Data_Visualization_Dashboard_for_Ent_tx7oog.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/34306\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/f7fa8492a1843d057d17eba1380e63e37eeb0f65a39dbfe0ae2fef238e1fecef.json b/chunks/json/f7fa8492a1843d057d17eba1380e63e37eeb0f65a39dbfe0ae2fef238e1fecef.json new file mode 100644 index 0000000000000000000000000000000000000000..9fb08b916d076bbb2f5640bfc714e8b4abbcab37 --- /dev/null +++ b/chunks/json/f7fa8492a1843d057d17eba1380e63e37eeb0f65a39dbfe0ae2fef238e1fecef.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16846,"char_start":15214,"chunk_id":"chk_edb394b4d33f6417","chunk_index":8,"chunk_sha256":"f7fa8492a1843d057d17eba1380e63e37eeb0f65a39dbfe0ae2fef238e1fecef","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"f7fa8492a1843d057d17eba1380e63e37eeb0f65a39dbfe0ae2fef238e1fecef","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"Document Name\n\nURL\n\nMISMO Version 3.0 Candidate\nRecommendation 2010-05\nReference Model and Logical\nData Dictionary\n\nThese two files are available at http://www.mismo.org/standards-\nand-resources/residential-specifications/mismo-version-30\nNote: Other versions of the MISMO Version 3.0 Reference Model\nare not compatible with the ULDD implementation.\n*Create a User ID and password to access files on the MISMO\nwebsite; send questions regarding the MISMO website to\ninfo@mismo.org.\n\n© 2018 Fannie Mae. Trademarks of Fannie Mae.\n\nJune 2018 | 7 of 22\n\nThe following subsections provide details about the appendices, which are key implementation documents.\n\n4.1. Appendix A: Fannie Mae XML Data Requirements (PDF version)\n\nAppendix A is a protected static view of Appendix D in PDF format. This is provided as a convenience\nfor users with a fixed view of the data. Refer to the Appendix D section below for additional details\nand context.\n\n4.2. Appendix B: Fannie Mae Usage Scenarios\n\nEasy-to-follow usage scenarios are provided for several mortgage loan products and pools that\ncapture fictitious data to illustrate how the loan delivery data is populated within the corresponding\nloan delivery XML file.\n\nAdditionally, as part of ULDD Phase 3, Appendix B includes :\n\n 10 borrower demographic information test cases that provide guidance when working with\n\ncomplex demographic information, including URLA screen shots.\n\n One test case shared by Fannie Mae and Freddie Mac, containing test borrowers who have\n\na credit report profile compatible with DU.\n\n A graphic representation of the Demographic Information container structure.\n"} diff --git a/chunks/json/f80dc0a636ae52db113322b13e6fcbd7c2ac1c70aa5a69c1f4fd807ab1761c2a.json b/chunks/json/f80dc0a636ae52db113322b13e6fcbd7c2ac1c70aa5a69c1f4fd807ab1761c2a.json new file mode 100644 index 0000000000000000000000000000000000000000..a7e8479ff84b0beacf32c79c97c77d3e479bdb1d --- /dev/null +++ b/chunks/json/f80dc0a636ae52db113322b13e6fcbd7c2ac1c70aa5a69c1f4fd807ab1761c2a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1753,"char_start":0,"chunk_id":"chk_5c10950d5935ffd2","chunk_index":0,"chunk_sha256":"f80dc0a636ae52db113322b13e6fcbd7c2ac1c70aa5a69c1f4fd807ab1761c2a","date_utc":"2026-01-27T18:02:28+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_738b4f6249ff50c1","text_sha256":"f80dc0a636ae52db113322b13e6fcbd7c2ac1c70aa5a69c1f4fd807ab1761c2a","token_estimate":439,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-sept-27-2025.pdf"]},"text":"Desktop Underwriter/Desktop Originator Release Notes\nDU Version 12.0 September Update\n\nJuly 30, 2025\n\nUpdated Sept. 24, 2025\n\nDuring the weekend of Sept. 27, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 12.0, which\nwill include the changes described below. The changes in this release will apply to DU V. 12.0 loan casefiles submitted or\nresubmitted to DU on or after the weekend of Sept. 27, 2025.\n\nThe changes in this release include the following updates:\n▪ Eligibility Assessment Update (added Sept. 24, 2025)\n▪ Property Assessment and Valuation\n▪ Limited Cash-out Refinance Transactions\n▪ First-time Homebuyer Determination\n▪ Restricted Stock\n▪ Updates to Align with the Selling Guide\n\nEligibility Assessment Update (added to release notes Sept. 24, 2025)\n\nAs part of normal operations and prudent risk management, the DU eligibility assessment will be updated to issue an Ineligible\nrecommendation on loan casefiles when a combination of product features and risk factors are present which place the loan\noutside our current acquisition preferences and constraints. We anticipate that these changes may yield a slight reduction in loan\ncasefiles receiving an Approve/Eligible recommendation.\n\nNote: These changes will only apply to DU Version 12.0 loan casefiles created on or after Sept. 28, 2025.\n\nProperty Assessment and Valuation\n\nValue Acceptance Messages\n\nThe value acceptance and value acceptance + property data messages will be simplified. A new message will also be added\nreminding lenders that when a purchase loan casefile is eligible for value acceptance or value acceptance + property data, to\nproceed with the offer the property value provided in the loan application must reflect the sales price.\n"} diff --git a/chunks/json/f81925d9877e776f5547a590cc4ef4a5a58d0a97b13462d846f4cf1d75d83595.json b/chunks/json/f81925d9877e776f5547a590cc4ef4a5a58d0a97b13462d846f4cf1d75d83595.json new file mode 100644 index 0000000000000000000000000000000000000000..19c687af6562b91140a0cab4520e5f11d1adfee9 --- /dev/null +++ b/chunks/json/f81925d9877e776f5547a590cc4ef4a5a58d0a97b13462d846f4cf1d75d83595.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9919,"char_start":8317,"chunk_id":"chk_97fe189ed6a3d341","chunk_index":5,"chunk_sha256":"f81925d9877e776f5547a590cc4ef4a5a58d0a97b13462d846f4cf1d75d83595","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_103fc496217d2c5f","text_sha256":"f81925d9877e776f5547a590cc4ef4a5a58d0a97b13462d846f4cf1d75d83595","token_estimate":400,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Desktop_465D.pdf"]},"text":"COMPARABLE SALE # 2\n\nCOMPARABLE SALE # 1\n\nSUBJECT\n\nITEM\n\ndid\n\nDate of Prior Sale/Transfer\nPrice of Prior Sale/Transfer\nData Source(s)\nEffective Date of Data Source(s)\nAnalysis of prior sale or transfer history of the subject property and comparable sales.\n\nP\nR\nO\nJ\nE\nC\nT\n\nI\nN\nF\nO\nR\nM\nA\nT\nI\nO\nN\n\nP\nR\nO\nJ\nE\nC\nT\n\nA\nN\nA\nL\nY\nS\nI\nS\n\nU\nN\nI\nT\n\nD\nE\nS\nC\nR\nI\nP\nT\nI\nO\nN\n\nP\nR\nI\nO\nR\n\nS\nA\nL\nE\n\nH\nI\nS\nT\nO\nR\nY\n\nFreddie Mac Form 465D April 2022\n\nPage 2 of 6\n\nFannie Mae Form1073 Desktop April 2022\n\nIndividual Condominium Unit Appraisal Report (Desktop)\n\nFile #\n\n.\nThere are comparable properties currently offered for sale in the subject neighborhood ranging in price from $ to $\nThere are comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $ to $ .\n\nFEATURE\n\nSUBJECT\n\nCOMPARABLE SALE # 1\n\nCOMPARABLE SALE # 2\n\nCOMPARABLE SALE # 3\n\nsq. ft. $\n\nsq. ft.\n\n$\n\nsq. ft.\n\n$\n\n$\n\n$\n\n$\nsq. ft.\n\nDESCRIPTION\n\nDESCRIPTION\n\n+(-) $ Adjustment DESCRIPTION\n\n+(-) $ Adjustment DESCRIPTION\n\n+(-) $ Adjustment\n\nAddress and\nUnit #\nProject Name and\nPhase\nProximity to Subject\n$\nSale Price\nSale Price/Gross Liv. Area $\nData Source(s)\nVerification Source(s)\nVALUE ADJUSTMENTS\nSale or Financing\nConcessions\nDate of Sale/Time\nLocation\nLeasehold/Fee Simple\nHOA Mo. Assessment\nCommon Elements\nand Rec. Facilities\nFloor Location\nView\nDesign (Style)\nQuality of Construction\nActual Age\nCondition\nAbove Grade\nRoom Count\nGross Living Area\nBasement & Finished\nRooms Below Grade\nFunctional Utility\nHeating/Cooling\nEnergy Efficient Items\nGarage/Carport\nPorch/Patio/Deck\n\nS\nA\nL\nE\nS\n\nC\nO\nM\nP\nA\nR\nI\nS\nO\nN\n"} diff --git a/chunks/json/f82e49171fe7562c8b6c0ae26698de1504fb2ced734eb8a6432950a416edc81c.json b/chunks/json/f82e49171fe7562c8b6c0ae26698de1504fb2ced734eb8a6432950a416edc81c.json new file mode 100644 index 0000000000000000000000000000000000000000..eacc9d720c8492d8a7e82b3672af30d0a7535a2e --- /dev/null +++ b/chunks/json/f82e49171fe7562c8b6c0ae26698de1504fb2ced734eb8a6432950a416edc81c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":120061,"char_start":118558,"chunk_id":"chk_628cb664330ca647","chunk_index":63,"chunk_sha256":"f82e49171fe7562c8b6c0ae26698de1504fb2ced734eb8a6432950a416edc81c","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"f82e49171fe7562c8b6c0ae26698de1504fb2ced734eb8a6432950a416edc81c","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"The following figure provides a checklist of the data point requirements for the four distinct categories of prepaid line\n\nitem identified in the slanted column headings.\n\nFigure 36. Checklist of PrepaidItemType Requirements by Prepaid Line Item Category.\n\n▪ Because prepaid interest is required for\n\nall loans, a separate line item for\nPrepaidItemType = “PrepaidInterest” is\nprovided for it in this chart (and in the\nSpec). It is mutually exclusive within an\ninstance of PREPAID_ITEM with all other\nUCD supported enumerations.\n\n▪ The “No Interest” column in the checklist\nshows the data points and values that\nmust be provided in the XML file when\nprepaid interest is not part of the\ntransaction.\n\n▪ For non-tax items, RegulationZPoints\n\nAndFeesIndicator indicates whether the\nfee falls under ATR/QM calculations.\n\nUCD v2.0 Implementation Guide\n\n- 49 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 37. Rendering Prepaid Item Data on the CD.\n\nBorrower-Paid\n\nSeller-Paid\n\nPaid by\nOthers\n\nOther Costs\n\n8.0\n\nAt Closing\n\nBefore Closing\n\nAt Closing\n\nBefore Closing\n\n8.4 F. Prepaids\n\n8.4.1\n\n8.5 Homeowner’s Insurance Premium 8.5.1 (12 mo.) to\nInsurance Co\n\n8.5.2\n\n8.5.3 $1,209.96\n\n8.5.4\n\n8.5.5\n\n8.5.6\n\n8.6 Mortgage Insurance Premium 8.6.1 (mo.) to\n\n8.6.2\n\n8.6.3\n\n8.6.4\n\n8.6.5\n\n8.6.6\n\n8.7 Prepaid Interest 8.7.1 ($17.44 per day from 4/15/24\nto 4/30/24)\n\n8.7.2 $279.04 8.7.3\n\n8.7.4\n\n8.7.5\n\n8.7.6\n\n8.8 Property Taxes 8.8.1 (6 mo.) to Any County USA\n\n8.8.2 $315.90 8.8.3\n\n8.8.4\n"} diff --git a/chunks/json/f839a54be0a3bbe82349d5ec77ff4886c4ce0522164f76b1eaefb85d8c24e31a.json b/chunks/json/f839a54be0a3bbe82349d5ec77ff4886c4ce0522164f76b1eaefb85d8c24e31a.json new file mode 100644 index 0000000000000000000000000000000000000000..d667c277cddea3ae0cb61c2e7df160ecd53ab18f --- /dev/null +++ b/chunks/json/f839a54be0a3bbe82349d5ec77ff4886c4ce0522164f76b1eaefb85d8c24e31a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":25238,"char_start":23032,"chunk_id":"chk_f95c539781b5f086","chunk_index":14,"chunk_sha256":"f839a54be0a3bbe82349d5ec77ff4886c4ce0522164f76b1eaefb85d8c24e31a","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"f839a54be0a3bbe82349d5ec77ff4886c4ce0522164f76b1eaefb85d8c24e31a","token_estimate":552,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to\nthe date of sale of the comparable sale, unless otherwise indicated in this report.\n\n7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject\nproperty.\n\n8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home\nthat has been built or will be built on the land.\n\n9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject\nproperty and the comparable sales.\n\nI verified, from a disinterested source, all information in this report that was provided by parties who have a financial\n\n10.\ninterest in the sale or financing of the subject property.\n\n11.\n\nI have knowledge and experience in appraising this type of property in this market area.\n\nI am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing\n\n12.\nservices, tax assessment records, public land records and other such data sources for the area in which the property is located.\n\nI obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from\n\n13.\nreliable sources that I believe to be true and correct.\n\nI have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject\n\n14.\nproperty, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I\nhave noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the\npresence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the\nsubject property or that I became aware of during the research involved in performing this appraisal. I have considered these\nadverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and\nmarketability of the subject property.\n"} diff --git a/chunks/json/f848283b5c08446d1a27146ae11d2a0f98d073e480917b2bf143c8fc01ddd213.json b/chunks/json/f848283b5c08446d1a27146ae11d2a0f98d073e480917b2bf143c8fc01ddd213.json new file mode 100644 index 0000000000000000000000000000000000000000..3414fbd21d3ecb193673d494eb82cd01c8f9dc46 --- /dev/null +++ b/chunks/json/f848283b5c08446d1a27146ae11d2a0f98d073e480917b2bf143c8fc01ddd213.json @@ -0,0 +1 @@ +{"chunk":{"char_end":349540,"char_start":348047,"chunk_id":"chk_2307c74d493d9c4b","chunk_index":192,"chunk_sha256":"f848283b5c08446d1a27146ae11d2a0f98d073e480917b2bf143c8fc01ddd213","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"f848283b5c08446d1a27146ae11d2a0f98d073e480917b2bf143c8fc01ddd213","token_estimate":418,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"CashToCloseTotal\n\nROF as “Cash to\nClose”\n\nAppendix E: UCD Implementation Guide\n\nPage 159 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n10.A Alternative Calculating Cash To Close Table\n\nTable 104. Alternative Calculating Cash to Close Table\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\nSixth Instance of CASH_TO_CLOSE_ITEM\n\n10.9.2 Final Cash to Close …/CASH_TO_CLOSE_\n\nITEM\n\n10.9.4 From To\n\nBorrower\n\n10.9\n\nCash to Close\n\n10.3.2 Closing Costs\n\nFinanced (Paid from\nyour Loan Amount)\n_____\n\n10.3\n\nClosing Costs\nFinanced (Paid from\nyour Loan Amount)\n\nIntegratedDisclosure\nCashToCloseItemFin\nalAmount\n\nIntegratedDisclosure\nCashToCloseItemPay\nmentType\n\nIntegratedDisclosure\nCashToCloseItemTyp\ne\n\n29677.43\n\nROF as “$29,677.43”\n\nToBorrower\n\nROF as checked box\n“To”\n\nCashToCloseTotal\n\nROF as “Cash to\nClose”\n\nSeventh Instance of CASH_TO_CLOSE_ITEM\n\n…/CASH_TO_CLOSE_\nITEM\n\nIntegratedDisclosure\nCashToCloseItemFin\nalAmount\n\n5322.57\n\nROF as “$5,322.57”\n\nIntegratedDisclosure\nCashToCloseItemTyp\ne\n\nClosingCostsFinance\nd\n\nROF as “Closing\nCosts Financed (Paid\nfrom your Loan\nAmount)”\n\nA. FOR MORE I NFORMATI ON\n\n10.0: Reg §1026.38(e), pp. 80121, 80351-52, 80006-7; Ex. H-25(F), p. 80192; Ex. H-25(G), p. .\n\n10.1: Reg §1026.38(e)(2), p. 80121; 38(e)(2)(i)-1, pp. 80352; 10.1.3 | 10.1.4: Reg §1026.38(e)(2)(iii)(A)-1, 2, p.\n\n80352.\n\n10.2: Reg §1026.38(e)(3), p. 80122; 10.2.1: Reg §1026.38(e)(3)(i)-1, p. 80352; 10.2.2: Reg §1026.38(e)(3)(iii)(B)-\n"} diff --git a/chunks/json/f8542721eb7449e14b842b8db1f7460cc3322422e2f5047117e72a1dfbce40e8.json b/chunks/json/f8542721eb7449e14b842b8db1f7460cc3322422e2f5047117e72a1dfbce40e8.json new file mode 100644 index 0000000000000000000000000000000000000000..4a5ab88109859f268fa31cfd3598ec71c43a1e35 --- /dev/null +++ b/chunks/json/f8542721eb7449e14b842b8db1f7460cc3322422e2f5047117e72a1dfbce40e8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":88896,"char_start":87185,"chunk_id":"chk_63276e22a8e5f215","chunk_index":130,"chunk_sha256":"f8542721eb7449e14b842b8db1f7460cc3322422e2f5047117e72a1dfbce40e8","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"f8542721eb7449e14b842b8db1f7460cc3322422e2f5047117e72a1dfbce40e8","token_estimate":428,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"The data in an appraisal XML file must pass certain data integrity rules. For example, an invalid enumeration or non-numeric data in a\nnumeric field may cause the appraisal XML file to fail schema validation.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nSpecial Characters in XML\n\nThere are several reserved characters that cannot be included in the value of a data point unless they are properly “escaped.” The following\ntable shows common characters and corresponding character encodings that must be properly escaped in the appraisal XML file for the file\nto be valid. (This table does not contain a comprehensive list of all the reserved characters.)\n\nPage 29\n\nCharacters\n\nProperly\nEscaped\n\n&\n<\n>\n“\n‘\n\n&\n<\n>\n"\n&apos\n\nDescription\n\nAmpersand\nLess-than sign\nGreater-than sign\nQuotation Mark\nApostrophe\n\nThe URAR Delivery Specification includes the xLink language as described by the MISMO v3.6 Reference Model. This key topic Arcrole\nRelationships identifies the xLink attributes used by UAD.\n\nDefinition of xLink and MISMO Implementation\n\nXLink is an XML-based language for relating information. According to the W3C1, “XML Linking Language (xLink), allows elements to be\ninserted into XML documents in order to create and describe links between resources.” The MISMO v3.6 Reference Model uses xLink to\ndefine relationships between elements that cannot be related hierarchically (through containment).2 MISMO uses a limited set of the xLink\nattributes:\n\n• xlink:label -attached to data point or container elements that will be used to express an arcrole relationship\n\n1 XML Linking Language (XLink) Version 1.1, W3C Recommendation May 6, 2010, http://www.w3.org/TR/xlink/, accessed June 4, 2018.\n"} diff --git a/chunks/json/f88a35aa4760416f5bf490459a239a7e0814d565cc8a58c841be67dc6c204b0c.json b/chunks/json/f88a35aa4760416f5bf490459a239a7e0814d565cc8a58c841be67dc6c204b0c.json new file mode 100644 index 0000000000000000000000000000000000000000..740e2350fb0a4b7c9c796d7dc6e81c4700f9b660 --- /dev/null +++ b/chunks/json/f88a35aa4760416f5bf490459a239a7e0814d565cc8a58c841be67dc6c204b0c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":499184,"char_start":497489,"chunk_id":"chk_7465545d3d466746","chunk_index":288,"chunk_sha256":"f88a35aa4760416f5bf490459a239a7e0814d565cc8a58c841be67dc6c204b0c","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"f88a35aa4760416f5bf490459a239a7e0814d565cc8a58c841be67dc6c204b0c","token_estimate":424,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"The XYZ MLS indicated 10 of 34 (29.4%) of the closed sales in the market area between 09/15/2018 and 09/15/2019 contained seller\nconcessions. Concessions ranged between $1,000 and $25,000, and the median concession was $7,100. This level of concessions was\ndetermined to have minimal impact on the marketability or sale prices for properties considered competitive to the subject.\n\nAppraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3)\n\nUniform Residential Appraisal Report\n\nPage 15 of 23\n\nMarket (continued)\n\nMarket Exhibits\n\nAbsorption Rate\n\nMedian Days on Market\n\nPrice Trend\n\nThis is where the Absorption Rate graph would display.\n\nThis is where the Median Days on Market graph would display.\n\nThis is where the Price Trend graph would display.\n\nAppraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3)\n\nUniform Residential Appraisal Report\n\nPage 16 of 23\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nListing Status\nPending\n\nListing Type\nMLS\n\nListing ID\nXYZ 0387300\n\nStart Date\n06/20/2019\n\nEnd Date\n09/08/2019\n\nDOM\n79\n\nTotal DOM 79\n\nStarting\nList Price\n$825,000\n\nCurrent or\nFinal List Price\n$799,900\n\nAnalysis of Subject Property Listing History Subject was listed on June 20th, 2019 with list price of $825,000 and was listed for 40 days. On\nJuly 31st, 2019 the price was reduced 3% to $799,900 and went under contract on 08/20/2019 for $770,000, which is 7% below the original list\nprice.\n"} diff --git a/chunks/json/f8a3e3e19920f914349a482f17523133b1465c8965c33b58f3d18a9510ccb466.json b/chunks/json/f8a3e3e19920f914349a482f17523133b1465c8965c33b58f3d18a9510ccb466.json new file mode 100644 index 0000000000000000000000000000000000000000..84551e66cffd736be9e918632a7571f655a431ad --- /dev/null +++ b/chunks/json/f8a3e3e19920f914349a482f17523133b1465c8965c33b58f3d18a9510ccb466.json @@ -0,0 +1 @@ +{"chunk":{"char_end":54587,"char_start":52987,"chunk_id":"chk_ada24ac990bcf2a4","chunk_index":31,"chunk_sha256":"f8a3e3e19920f914349a482f17523133b1465c8965c33b58f3d18a9510ccb466","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"f8a3e3e19920f914349a482f17523133b1465c8965c33b58f3d18a9510ccb466","token_estimate":400,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"2 = Savings Association Insurance\nFund (SAIF)-insured depository\ninstitution\n3 = Bank Insurance Fund (BIF)-insured\ndepository institution\n4 = Credit union insured by the\nNational Credit Union Administration\n(NCUA)\n5 = Other/unknown\n1 = Conventional/Other\n2 = FHA-insured\n3 = VA-guaranteed\n4 = FSA/RHS-guaranteed\n1 = Secured by a first lien\n2 = Secured by a subordinate lien\n3 = Not secured by a lien\n4 = Not applicable\n999.00 = Not applicable\n\n15\n\n1\n\nfed_guarantee_ctf\n\nFederal Guarantee\n\n16\n\n1\n\nlien_status\n\nLien Status\n\n17\n\n6\n\nltv\n\nMF CTF\n\nLoan-to-Value Ratio (LTV)\nat Origination, or\nCombined LTV (CLTV)\nwhere available\n\nThe type of seller that sold the mortgage to the\nEnterprise; this is not necessarily the\noriginating lender. The SAIF and BIF were\nmerged in 2006 to form the Deposit Insurance\nFund (DIF), see\nhttps://www.fdic.gov/news/financial-\ninstitution-letters/2006/fil06036.html.\nAnalysts may treat values of ‘2’ and ‘3’ equally\nin the post-2006 PUDBs.\n\n41\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nMultifamily Properties\nCensus Tract File\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n18\n\n19\n\n20\n\n21\n\n22\n\n3\n\n1\n\n6\n\n9\n\nsame_year_acq\n\nDate of Mortgage Note\n\nterm_orig\n\nunits_num_cat\n\nTerm of Mortgage at\nOrigination\nNumber of Units\n\n1 = Originated in same calendar year\nas acquired\n2 = Originated prior to calendar year of\nacquisition\n9 = Missing\n999 = Not available\n\nMonths\n\n1 = 5 to 24 units\n2 = 25 to 50\n3 = 51 to 99\n4 = 100 to 149\n5 = over 149\n9 = Unknown\n\nrate_orig\n\nupb_orig\n"} diff --git a/chunks/json/f8a624a5e1ad7cca5e78b17d446f1390cac789341ba07926b22bd72ac2b7ae0e.json b/chunks/json/f8a624a5e1ad7cca5e78b17d446f1390cac789341ba07926b22bd72ac2b7ae0e.json new file mode 100644 index 0000000000000000000000000000000000000000..f63c52a5fa535c59de5fe4824bcd5d3b148a8427 --- /dev/null +++ b/chunks/json/f8a624a5e1ad7cca5e78b17d446f1390cac789341ba07926b22bd72ac2b7ae0e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":917927,"char_start":916323,"chunk_id":"chk_039e1f0b3eb49844","chunk_index":545,"chunk_sha256":"f8a624a5e1ad7cca5e78b17d446f1390cac789341ba07926b22bd72ac2b7ae0e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"f8a624a5e1ad7cca5e78b17d446f1390cac789341ba07926b22bd72ac2b7ae0e","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Location\n\n(Location Type)\n\nGSE Location Type\nOther Description\n\nText entry when “Other” is selected as\nLocation Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_LOCATION_DETAIL_EXTENSION/COMPARISON_LOCATION_DETAIL_\nEXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM\nAPPRAISAL\nDATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECTION_\nDATA/COMPARISON_LOCATION_DETAIL/.[@GSELocationType='Other']/@\nGSELocationTypeOtherDescription\n\n20\n\nString\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nIf a location factor not on the list materially affects the value of the property, the\nappraiser must select “Other” and enter a description of the location associated with the\nproperty. Free-form descriptions should be entered carefully because data will be\ntruncated on the appraisal report form if it exceeds available space for that field.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThis field is required if the value of field e-\n15 (GSE Location Type) is 'Other'.\n\nCR\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 158 of 211\n\nDocument Version 1.4\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\n401\n\n402\n\n403\n\n3\n\n3\n\n3\n\n66\n\n67\n\n68\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n"} diff --git a/chunks/json/f8ac59bcfcc3ae7cd853dfce6db4d02a7f0187b9a9c73a24e49f1e83b753c7c9.json b/chunks/json/f8ac59bcfcc3ae7cd853dfce6db4d02a7f0187b9a9c73a24e49f1e83b753c7c9.json new file mode 100644 index 0000000000000000000000000000000000000000..552a0d4bfcce6de341b8f68c2a47fc1cc6e98fd9 --- /dev/null +++ b/chunks/json/f8ac59bcfcc3ae7cd853dfce6db4d02a7f0187b9a9c73a24e49f1e83b753c7c9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12366,"char_start":10882,"chunk_id":"chk_e3c1610575d96d11","chunk_index":6,"chunk_sha256":"f8ac59bcfcc3ae7cd853dfce6db4d02a7f0187b9a9c73a24e49f1e83b753c7c9","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6cc087c08f0855a5","text_sha256":"f8ac59bcfcc3ae7cd853dfce6db4d02a7f0187b9a9c73a24e49f1e83b753c7c9","token_estimate":421,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Neighborhood_Stabilization_Initiative__NSI____FHFA_60i2ek.md"]},"text":"- Albany-Schenectady-Troy, NY\n - Birmingham-Hoover, AL\n - Cleveland-Elyria, OH\n - Dayton, OH\n - Flint, MI\n - Kansas City, MO-KS\n - Milwaukee-Waukesha-West Allis, WI\n - Palm Bay-Melbourne-Titusville, FL\n - St. Louis, MO\n - Trenton, NJ\n\n- Atlanta-Sandy Springs-Roswell, GA\n - Chicago-Naperville-Elgin, IL\n - Columbus, OH\n - Detroit, MI\n - Indianapolis-Carmel-Anderson, IN\n - Louisville-Jefferson County, KY-IN\n - New York-Newark-Jersey City, NY-NJ-PA\n - Philadelphia-Camden-Wilmington, PA-NJ-DE\n - Tampa-St. Petersburg-Clearwater, FL\n - Youngstown-Warren-Boardman, OH-PA\n\n## Related Documents\n\n- [NSI Expansion Fact Sheet (11/10/2015)](/neighborhood-stabilization-initiative-program-expansion-fact-sheet)\n - [Cook County, IL NSI Fact Sheet (4/15/2015)](/cook-county-illinois-neighborhood-stabilization-initiative-fact-sheet)\n - [Fannie Mae and Freddie Mac - MyCityMod Fact Sheet - Cook County, IL (4/15/2015)](/sites/default/files/2023-03/mycity-modification-cook-county.pdf)\n - [Fannie Mae and Freddie Mac - \"Modification MyCity\" - Condado de Cook, IL (Español) (4/15/2015)](/sites/default/files/2023-03/mycity-modification_cook_county_espanol.pdf)\n - [Detroit, MI NSI Fact Sheet - Update (10/2/2014)](/detroit-michigan-nsi-fact-sheet-update)\n - [Fannie Mae and Freddie Mac - MyCityMod Fact Sheet - Detroit, MI (10/2/2014)](/sites/default/files/2023-03/mycity-mod-detroit-consumer-factsheet-final.pdf)\n - [Detroit, MI NSI Fact Sheet (5/13/2014)](/detroit-michigan-nsi)\n ## Timeline\n"} diff --git a/chunks/json/f8bbb414ab9e7e090616b69200298ce9c28d57b3069f8abb1a8955bf314e150b.json b/chunks/json/f8bbb414ab9e7e090616b69200298ce9c28d57b3069f8abb1a8955bf314e150b.json new file mode 100644 index 0000000000000000000000000000000000000000..14cd27e9e0a2946944d6e17fcc490d74952c4b27 --- /dev/null +++ b/chunks/json/f8bbb414ab9e7e090616b69200298ce9c28d57b3069f8abb1a8955bf314e150b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1741,"char_start":0,"chunk_id":"chk_6ac0feb8c606ab24","chunk_index":0,"chunk_sha256":"f8bbb414ab9e7e090616b69200298ce9c28d57b3069f8abb1a8955bf314e150b","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_da7dc2023b134aba","text_sha256":"f8bbb414ab9e7e090616b69200298ce9c28d57b3069f8abb1a8955bf314e150b","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Prepayment_Monitoring_Report___U_S__FEDERAL_HOUSIN_i5mnol.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/prepayment-monitoring-report\"\ndate_accessed: \"2026-01-27T17:48:03.196Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/f8c79208078354bd9620e99856ed50630a668c2ab5dd774bd6dfe7cad59e5eb8.json b/chunks/json/f8c79208078354bd9620e99856ed50630a668c2ab5dd774bd6dfe7cad59e5eb8.json new file mode 100644 index 0000000000000000000000000000000000000000..126f2869350577d06d4b3b9dee706860fc1b0ef1 --- /dev/null +++ b/chunks/json/f8c79208078354bd9620e99856ed50630a668c2ab5dd774bd6dfe7cad59e5eb8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15228,"char_start":13608,"chunk_id":"chk_9c53f5667fc63450","chunk_index":8,"chunk_sha256":"f8c79208078354bd9620e99856ed50630a668c2ab5dd774bd6dfe7cad59e5eb8","date_utc":"2026-01-27T17:47:50+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8535ea1710d70b24","text_sha256":"f8c79208078354bd9620e99856ed50630a668c2ab5dd774bd6dfe7cad59e5eb8","token_estimate":543,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Reports___FHFA_gp0z3l.md"]},"text":"August 18, 2025\n\n## [Open Data Plan – 2025](/reports/information-resources-management-strategic-plan/open-data-plan/2025)\n - Stress Tests Reports - Fannie Mae & Freddie Mac\n\nAugust 15, 2025\n\n## [2024 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2024)\n - Stress Tests Reports - Fannie Mae & Freddie Mac\n\nAugust 15, 2025\n\n## [2025 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2025)\n - Foreclosure Prevention, Refinance, and FPM Report\n\nAugust 12, 2025\n\n## [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - May 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/5)\n - [1](?page=0)\n - [2](?page=1)\n - [3](?page=2)\n - [4](?page=3)\n - [5](?page=4)\n - [6](?page=5)\n - [7](?page=6)\n - [8](?page=7)\n - [9](?page=8)\n - …\n - [Next](?page=1)\n - [Last](?page=49)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n"} diff --git a/chunks/json/f8d60a6627c58ea19e79fc002719588b47000d916bdcbafaa24e13aaec4b55ec.json b/chunks/json/f8d60a6627c58ea19e79fc002719588b47000d916bdcbafaa24e13aaec4b55ec.json new file mode 100644 index 0000000000000000000000000000000000000000..01d074eef34d075c43a7ee5e740f57a952bc1bac --- /dev/null +++ b/chunks/json/f8d60a6627c58ea19e79fc002719588b47000d916bdcbafaa24e13aaec4b55ec.json @@ -0,0 +1 @@ +{"chunk":{"char_end":92260,"char_start":90640,"chunk_id":"chk_8a58bca7b649511a","chunk_index":33,"chunk_sha256":"f8d60a6627c58ea19e79fc002719588b47000d916bdcbafaa24e13aaec4b55ec","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"f8d60a6627c58ea19e79fc002719588b47000d916bdcbafaa24e13aaec4b55ec","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"The Closing Disclosure has a name, issuer, issue date, and other metadata. Figure 6 illustrates that the title is the\nonly representation of these data points on the form.\n\n0.1 Closing Disclosure\n\nThis form is a statement of final loan terms and closing costs. Compare this\ndocument with your Loan Estimate.\n\nFigure 6. Closing Disclosure\n\nTable 5. UCD File Handling Data\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\nN/A - XML\n\nMESSAGE\n\n@MISMOReference\nModelIdentifier\n\n3.3.0299\n\nUCD\nUID\n\n0.001\n\n0.054\n\nN/A - XML\n\n@xmlns:gse\n\nhttp://www.datamod\nelextension.org\n\n0.063\n\nN/A - XML\n\nMESSAGE\n\n@xmlns:xlink\n\n0.064\n\nN/A - XML\n\nMESSAGE\n\n@xmlns\n\nhttp://www.w3.org/\n1999/xlink\n\nDeclaration for xlink\nlabel usage with\nRELATIONSHIPS\n\nhttp://www.mismo.o\nrg/residential/2009/s\nchemas\n\nNamespace for\nMISMO schema\n\n0.01\n\nN/A - XML\n\n…/ABOUT_VERSION CreatedDatetime\n\n2015-02-\n17T09:30:47Z\n\n0.047\n\nN/A - XML\n\n…/DOCUMENTS/DOC\nUMENT\n\n@MISMOReference\nModelIdentifier\n\n3.3.0299\n\nOnly acceptable\nformat\nDate and time this\nfile was created\n\nOnly acceptable\nvalue\nMISMO Reference\nModel build number\ngoverning the\nrepresentation of this\ndocument.\n\nAppendix E: UCD Implementation Guide\n\nPage 27 of 254\n\nVersion 1.4\n\nOnly acceptable\nvalue\nMISMO Reference\nModel build number\ngoverning the data in\nthis file\n\nNamespace for GSE\nextensions to MISMO\nv3.3.\n\nUniform Closing Dataset\n\nIV. UCD Data Point Categories\n\nUCD\nUID\n\n0.018\n\nTable 5. UCD File Handling Data\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3 Data\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\nN/A - XML\n\n…/AUDIT_TRAIL_ENT\nRY_DETAIL\n"} diff --git a/chunks/json/f8dd9faa67babdb639fc6b5a42c86195cb6814915361de01efe71bfa6ccf5861.json b/chunks/json/f8dd9faa67babdb639fc6b5a42c86195cb6814915361de01efe71bfa6ccf5861.json new file mode 100644 index 0000000000000000000000000000000000000000..b1b8cc689ef1b28e1264bb92de36f6f438bb3e5f --- /dev/null +++ b/chunks/json/f8dd9faa67babdb639fc6b5a42c86195cb6814915361de01efe71bfa6ccf5861.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11536,"char_start":10885,"chunk_id":"chk_e2fbb96d3e24f4cc","chunk_index":17,"chunk_sha256":"f8dd9faa67babdb639fc6b5a42c86195cb6814915361de01efe71bfa6ccf5861","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"f8dd9faa67babdb639fc6b5a42c86195cb6814915361de01efe71bfa6ccf5861","token_estimate":570,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Assignment Information ............................................................................................................................................................................................... 31\n\nContact Information ..................................................................................................................................................................................................... 34\n\nAppraiser and Supervisory Appraiser ........................................................................................................................................................................... 42\n"} diff --git a/chunks/json/f8efe2e8de1472b02c9a48d6a893064e832fb8ac00a07aa3fc6d05f630d4ee5f.json b/chunks/json/f8efe2e8de1472b02c9a48d6a893064e832fb8ac00a07aa3fc6d05f630d4ee5f.json new file mode 100644 index 0000000000000000000000000000000000000000..f14e931ec71c9cb0aae2e81de8dcd61f98d1c49e --- /dev/null +++ b/chunks/json/f8efe2e8de1472b02c9a48d6a893064e832fb8ac00a07aa3fc6d05f630d4ee5f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":297620,"char_start":295931,"chunk_id":"chk_347630180e812f90","chunk_index":175,"chunk_sha256":"f8efe2e8de1472b02c9a48d6a893064e832fb8ac00a07aa3fc6d05f630d4ee5f","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"f8efe2e8de1472b02c9a48d6a893064e832fb8ac00a07aa3fc6d05f630d4ee5f","token_estimate":422,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Manufactured Home – ADUs - Commentary\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\n9.026 Manufactured\nHome\nCommentary\n\nIf applicable\n\nFree-form\n\nCommentary could include information pertinent to the Manufactured Home\nsection that is not captured in the discrete data, or additional details to support\nthe discrete data that is provided.\n\nManufactured Home Exhibits\n\nAll photos or images related to the Manufactured Home section are displayed in the Manufactured Home\nExhibits subsection. If there are no photos or images, this subsection does not display.\n\nManufactured Home – ADUs - Exhibits\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nSee\niGuide\n\nManufactured\nHome Exhibits\n\nIf applicable\n\nPhotos or images\n\nDefinition / Additional Guidance\n\nPhotos or images relevant to the Manufactured Home section may be\nprovided, which display in Manufactured Home Exhibits. If the photo or image\nis not specifically indicated, provide an additional caption to further identify\neach photo or image.\n\nAppendix F-1: URAR Reference Guide\n\nPage 124 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\n10 Unit Interior\n\nThe Unit Interior section describes the interior of each unit (including an ADU), and provides space for\ncommentary and exhibits to support the description, and to report any defects, damages, or deficiencies. The\nsection repeats for each living unit and for each ADU.\n\nThe “When to Include” column in this chapter references each unit:\n• A living unit or ADU in a dwelling, or\n• An ADU within or attached to an outbuilding, or\n• A standalone ADU that is the outbuilding\n"} diff --git a/chunks/json/f8fc86d9dd01b417c222f414617e5e2bf997854d196ab0ae02c2a08abfe18161.json b/chunks/json/f8fc86d9dd01b417c222f414617e5e2bf997854d196ab0ae02c2a08abfe18161.json new file mode 100644 index 0000000000000000000000000000000000000000..d13b4158224d6304336360003b1f010bbeaf63b8 --- /dev/null +++ b/chunks/json/f8fc86d9dd01b417c222f414617e5e2bf997854d196ab0ae02c2a08abfe18161.json @@ -0,0 +1 @@ +{"chunk":{"char_end":58155,"char_start":56037,"chunk_id":"chk_56f9b8052d6ccbc7","chunk_index":13,"chunk_sha256":"f8fc86d9dd01b417c222f414617e5e2bf997854d196ab0ae02c2a08abfe18161","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"f8fc86d9dd01b417c222f414617e5e2bf997854d196ab0ae02c2a08abfe18161","token_estimate":530,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Appendix E: UCD Implementation Guide\n\nPage 8 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\nI. INTRODUCTION\n\nI. Introduction\n\nThe Closing Disclosure is one of the forms specified by the Consumer Financial Protection Bureau’s1 (CFPB's)\nIntegrated Mortgage Disclosures final rule (the Regulation) under the Real Estate Settlement Procedures Act\n(Regulation X) and the Truth in Lending Act (Regulation Z). The Regulation was published in the Federal Register\non December 31, 2013 and subsequently amended.2 With certain exceptions, creditors must provide the Closing\nDisclosure to borrowers and sellers participating in a real estate transaction. This form replaces the HUD-1\nSettlement Statement, and the Good Faith Estimate and Truth in Lending disclosures required by TILA-RESPA.\n\nThe Uniform Closing Dataset (UCD) is a set of data elements in electronic format (Extensible Markup Language\n(XML)). UCD conforms to the residential mortgage industry standard dataset administered by the Mortgage\nIndustry Standards Maintenance Organization (MISMO). Freddie Mac and Fannie Mae (the GSEs) created\nAppendix I: UCD Delivery Specification (Appendix I) to tie each Closing Disclosure field to one or more MISMO\nv3.3.0 data points. Appendix I lists each data point in the order in which the XML file must be organized to be\nconsidered “well-formed” and accepted by a recipient’s system. The UCD may be used by any trading partner\nexchanging electronic data about a real estate transaction. Lenders selling loans to either GSE must submit the\nUCD with their loan delivery data.\n\nA. SCOPE\n\nThis Appendix E: UCD Implementation Guide, Version 1.4 (I-Guide) was created by the GSEs solely to help users\nunderstand and implement the Uniform Closing Dataset (UCD). The I-Guide does not seek to interpret the\nRegulation. Instead, it describes how the UCD maps to the Closing Disclosure. Additionally, the I-Guide does not\nexplain every possible loan transaction; rather, it focuses on common scenarios for which users may need\nadditional illustration to implement the UCD correctly. The examples within are not promulgated by the CFPB.\n"} diff --git a/chunks/json/f906e3a53a47913431ee6b1e2ede2a670c1c0dbebf6857ffd7ab4bfbe6575bf5.json b/chunks/json/f906e3a53a47913431ee6b1e2ede2a670c1c0dbebf6857ffd7ab4bfbe6575bf5.json new file mode 100644 index 0000000000000000000000000000000000000000..73887f42c3500c2a7403a8ecb6776b958b46f9eb --- /dev/null +++ b/chunks/json/f906e3a53a47913431ee6b1e2ede2a670c1c0dbebf6857ffd7ab4bfbe6575bf5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":467974,"char_start":466246,"chunk_id":"chk_23bf6d74921ae893","chunk_index":354,"chunk_sha256":"f906e3a53a47913431ee6b1e2ede2a670c1c0dbebf6857ffd7ab4bfbe6575bf5","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"f906e3a53a47913431ee6b1e2ede2a670c1c0dbebf6857ffd7ab4bfbe6575bf5","token_estimate":432,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Always displays\n\nI stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are\nsubject only to the assumptions and limiting conditions in this appraisal report.\n\nAlways displays\n\nI have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in\nthis appraisal report.\nI meet the credential requirements for this assignment as of the date of this appraisal report and have knowledge and\nexperience in appraising this type of property in this market area.\nI am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing\nservices, tax assessment records, public land records, and other such data sources for the area in which the property is\nlocated.\nI obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from\nreliable sources that I believe to be true and correct.\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nI personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily\nobservable condition of the improvements in factual, specific terms. I identified and reported any known physical\ndeficiencies that could affect the soundness or structural integrity of the property.\n\n29.030\n\n10\n\nI personally performed an inspection of the exterior areas of the subject property from at least the street. I reported the\nreadily observable condition of the improvements in factual, specific terms. I reported any known physical deficiencies that\ncould affect the soundness or structural integrity of the property.\n"} diff --git a/chunks/json/f90944501bff169e25f4dfa80d9b219a0cba5f243bac97cc93c89585784fc54c.json b/chunks/json/f90944501bff169e25f4dfa80d9b219a0cba5f243bac97cc93c89585784fc54c.json new file mode 100644 index 0000000000000000000000000000000000000000..04cb3e3400a0fd4f53e848cede4f40dff275bf7c --- /dev/null +++ b/chunks/json/f90944501bff169e25f4dfa80d9b219a0cba5f243bac97cc93c89585784fc54c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31196,"char_start":29830,"chunk_id":"chk_08b5fd47202c8d2a","chunk_index":17,"chunk_sha256":"f90944501bff169e25f4dfa80d9b219a0cba5f243bac97cc93c89585784fc54c","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ca7d705bb5cd4823","text_sha256":"f90944501bff169e25f4dfa80d9b219a0cba5f243bac97cc93c89585784fc54c","token_estimate":380,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Federal_Housing_Finance_Agency___LinkedIn_p6ynde.md"]},"text":"Agree & Join LinkedIn\n\nBy clicking Continue to join or sign in, you agree to LinkedIn’s [User Agreement](/legal/user-agreement?trk=linkedin-tc_auth-button_user-agreement), [Privacy Policy](/legal/privacy-policy?trk=linkedin-tc_auth-button_privacy-policy), and [Cookie Policy](/legal/cookie-policy?trk=linkedin-tc_auth-button_cookie-policy). `` `` `` `` `` `` `` ![image]() ## Sign in to see who you already know at Federal Housing Finance Agency\n\n`` `` `` `` `` `` `` `` `` `` Email or phone\n\nPassword Show\n\n[Forgot password?](https://www.linkedin.com/uas/request-password-reset?trk=csm-v2_forgot_password) Sign in Sign in with Email or\n\nNew to LinkedIn? [Join now](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_contextual-sign-in-modal_join-link)\n\nBy clicking Continue to join or sign in, you agree to LinkedIn’s [User Agreement](/legal/user-agreement?trk=linkedin-tc_auth-button_user-agreement), [Privacy Policy](/legal/privacy-policy?trk=linkedin-tc_auth-button_privacy-policy), and [Cookie Policy](/legal/cookie-policy?trk=linkedin-tc_auth-button_cookie-policy).\n\nLinkedIn\n\nLinkedIn is better on the app\n\nDon’t have the app? Get it in the Microsoft Store.\n\n[Open the app](ms-windows-store://pdp/?ProductId=9WZDNCRFJ4Q7&mode=mini&cid=guest_desktop_upsell)\n\n`` ``\n"} diff --git a/chunks/json/f90990321a0479ce50871ec39fd73765f95c73ac9dfd0614280240c93952f0f1.json b/chunks/json/f90990321a0479ce50871ec39fd73765f95c73ac9dfd0614280240c93952f0f1.json new file mode 100644 index 0000000000000000000000000000000000000000..d465155d205c3fe2ccf6911299b3c78c3b3ef0cc --- /dev/null +++ b/chunks/json/f90990321a0479ce50871ec39fd73765f95c73ac9dfd0614280240c93952f0f1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2146,"char_start":0,"chunk_id":"chk_b6386fd89cb50faa","chunk_index":0,"chunk_sha256":"f90990321a0479ce50871ec39fd73765f95c73ac9dfd0614280240c93952f0f1","date_utc":"2026-01-27T18:02:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_361642b7b0e3bc08","text_sha256":"f90990321a0479ce50871ec39fd73765f95c73ac9dfd0614280240c93952f0f1","token_estimate":537,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-february-2023.pdf"]},"text":"Desktop Underwriter® (DU®) Validation Service\nIntegration Impact Memo\nFebruary update\n\nJan. 5, 2023\n\nDuring the weekend of February 25, 2023, Fannie Mae will implement changes to the Desktop Underwriter® (DU®) validation\nservice.\n\nPlease review the following to ensure that your integrated system(s) will be prepared to support this release.\n\nChange to the Equifax Reference ID Model\nAn update will be made to how the DU validation service requests Income and Employment Verification (VOIE) reports from The\nWork Number® (TWN) and Tax Transcript reports from Equifax.\n\nNOTE | For lenders who have signed up through Fannie Mae to order Equifax or TWN reports, DU obtains reports from\nEquifax/TWN automatically using the Lender Loan Number on the casefile.\n\nIf the report was ordered using an identifier other than the Lender Loan Number associated with the DU submission, lenders\nwho have signed up to have their DU Institution use Equifax or TWN may request a report by populating the DU Underwriting\nVerifications section of the loan application with the Tracking Number from the Equifax/TWN report. In this case, the word\n“Placeholder” is passed in the Verification Report Supplier Type field in the DU Underwriting Verifications section of the loan\napplication, and DU uses the Tracking Number populated in the Reference ID field to request report(s) from Equifax/TWN.\nWhen “Placeholder” is submitted in the Verification Report Supplier Type field, DU will use the provided Tracking Number\ninstead of the Lender Loan Number to request reports from Equifax/TWN.\n\nAs of this release, lenders will be able to request a report from Equifax or TWN using the Reference ID even if they have not signed\nup through Fannie Mae to use Equifax or TWN. Alternatively, lenders will be able to opt out of the process to obtain Equifax and\nTWN reports using the Lender Loan Number while still retaining the ability to request a report from Equifax or TWN using the\nReference ID. Lenders wishing to opt out of the Lender Loan Number process can use the Fannie Mae DU Validation Service Setup\nForm or reach out to their Fannie Mae relationship manager for help.\n"} diff --git a/chunks/json/f91e48955a4b7b53c9bd5664cdfe40b9c240cb7cfd38151e16f6e8f83e9c00f6.json b/chunks/json/f91e48955a4b7b53c9bd5664cdfe40b9c240cb7cfd38151e16f6e8f83e9c00f6.json new file mode 100644 index 0000000000000000000000000000000000000000..683f0d81166afe20a604c18acf5739368c9a9f7b --- /dev/null +++ b/chunks/json/f91e48955a4b7b53c9bd5664cdfe40b9c240cb7cfd38151e16f6e8f83e9c00f6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1017529,"char_start":1015663,"chunk_id":"chk_7ffc1a188890a935","chunk_index":606,"chunk_sha256":"f91e48955a4b7b53c9bd5664cdfe40b9c240cb7cfd38151e16f6e8f83e9c00f6","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"f91e48955a4b7b53c9bd5664cdfe40b9c240cb7cfd38151e16f6e8f83e9c00f6","token_estimate":467,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"33\n\n34\n\n35\n\n36\n\n37\n\n38\n\n39\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\nSUBJECT\n\nHOA $\nPer Year\n\nProject Per Unit Fee\nPeriod Type\n\nSpecifies the period about which the fees\nper unit apply.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/_PER_UNIT_FEE[@\n_PeriodType=‘Annually’]\n\nSUBJECT\n\nHOA $\nPer Month\n\nProject Per Unit Fee\nPeriod Type\n\nSpecifies the period about which the fees\nper unit apply.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/_PER_UNIT_FEE[@\n_PeriodType=‘Monthly’]\n\nSUBJECT\n\nProperty Rights Appraised\nFee Simple\n\nProperty Rights\nType\n\nSpecifies the intended property ownership\nrights for the property.\n\n/VALUATION_RESPONSE/PROPERTY[@_RightsType=‘FeeSimple’]\n\nSUBJECT\n\nProperty Rights Appraised\nLeasehold\n\nProperty Rights\nType\n\nSpecifies the intended property ownership\nrights for the property.\n\n/VALUATION_RESPONSE/PROPERTY[@_RightsType=‘Leasehold’]\n\nSUBJECT\n\nProperty Rights Appraised\nOther\n\nProperty Rights\nType\n\nSpecifies the intended property ownership\nrights for the property.\n\n/VALUATION_RESPONSE/PROPERTY[@_RightsType=‘Other’]\n\n8\n\n8\n\n9\n\n9\n\n9\n\nEnumerated UAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated UAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nIf the value of field 1-25 (Project Per Unit Fee\nAmount) is greater than zero, one and only one\nof fields 1-26, 1-27 (values of Project Per Unit\nFee Period Type) must be indicated.\nIf the value of field 1-25 (Project Per Unit Fee\nAmount) is greater than zero, one and only one\nof fields 1-26, 1-27 (values of Project Per Unit\nFee Period Type) must be indicated.\nOne and only one of fields 1-28, 1-29, 1-30\n(values of Property Rights Type) should be\nindicated.\nOne and only one of fields 1-28, 1-29, 1-30\n(values of Property Rights Type) should be\nindicated.\nOne and only one of fields 1-28, 1-29, 1-30\n(values of Property Rights Type) should be\nindicated.\n"} diff --git a/chunks/json/f92cb8c6ec0545fd60417bcce0670d9a1c432d0752231672ed1203cab1e08995.json b/chunks/json/f92cb8c6ec0545fd60417bcce0670d9a1c432d0752231672ed1203cab1e08995.json new file mode 100644 index 0000000000000000000000000000000000000000..22fdf34d56c8f99a21079fa71ad40bc73b6ebffa --- /dev/null +++ b/chunks/json/f92cb8c6ec0545fd60417bcce0670d9a1c432d0752231672ed1203cab1e08995.json @@ -0,0 +1 @@ +{"chunk":{"char_end":417455,"char_start":415827,"chunk_id":"chk_1e5e4a0a51deb0e0","chunk_index":244,"chunk_sha256":"f92cb8c6ec0545fd60417bcce0670d9a1c432d0752231672ed1203cab1e08995","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"f92cb8c6ec0545fd60417bcce0670d9a1c432d0752231672ed1203cab1e08995","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"19\n\nString\n\nAllowable Values PDF Display\nWaterView Wtr\nPastoralView Pstrl\nWoodsView Woods\nParkView Prk\nGolfCourseView Glfvw\nCityViewSkylineView CtySky\nMountainView Mtn\nResidentialView Res\nCityStreetView CtyStr\nIndustrialView Ind\nPowerLines PwrLn\nLimitedSight LtdSght\nOther *\n\n*See field e-7 directly below.\n\nThis data is referenced more than once on the form for the subject property and must be\nrepresented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Site Section\nIf a view factor not on the list materially affects the value of the subject property, the\nappraiser must select 'Other' and enter a description of the view associated with the\nproperty. Free-form descriptions should be entered carefully because data will be\ntruncated on the appraisal report form if it exceeds available space for that field.\n\nThis data is referenced more than once on the form for the subject property and must be\nrepresented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\n96\n\n97\n\n1\n\n1\n\n90\n\n91\n\nPROJECT SITE Specific Zoning Classification\n\nPROJECT SITE Zoning Description\n\nSite Zoning\nClassification\nIdentifier\n\nSite Zoning\nClassification\nDescription\n\nIdentifies the zoning classification applied\nto the site.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/@_ZoningClassificationIdentifie\nr\n\n25\n\nString\n\nThis field should indicate the specific zoning classification of the subject property.\n\nA free-form text field used to describe the\nzoning classification of the property site.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/@_ZoningClassificationDescript\nion\n"} diff --git a/chunks/json/f9386e91b8a37ecee552096874a0165b0a983f60ff446e195eaed7818d2789db.json b/chunks/json/f9386e91b8a37ecee552096874a0165b0a983f60ff446e195eaed7818d2789db.json new file mode 100644 index 0000000000000000000000000000000000000000..aa115c014a3f0195323723f6b45472a5fb9676fa --- /dev/null +++ b/chunks/json/f9386e91b8a37ecee552096874a0165b0a983f60ff446e195eaed7818d2789db.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14190,"char_start":12490,"chunk_id":"chk_f0bb6812fbf25c91","chunk_index":7,"chunk_sha256":"f9386e91b8a37ecee552096874a0165b0a983f60ff446e195eaed7818d2789db","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f3ea5443d4283d2a","text_sha256":"f9386e91b8a37ecee552096874a0165b0a983f60ff446e195eaed7818d2789db","token_estimate":425,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Executive_Compensation___FHFA_4x14xg.md"]},"text":"Under the incentive compensation plans, there are two types of deferred salary—fixed and at-risk. The fixed portion is earned in each quarter and will be paid out in full at the end of the same quarter in the following year. At-risk deferred salary is equal to 30 percent of the total direct compensation of each executive and may be reduced based on performance of the company and the individual. The first portion subject to reduction (15 percent) is based upon conservatorship performance, as determined by FHFA. FHFA bases its assessment on an evaluation of performance against the [Scorecard](/reports/conservatorships-performance-goals-scorecard)​. The remaining portion subject to reduction (15 percent) is determined by the Enterprises. Fannie Mae's and Freddie Mac's assessments are based on goals established by their boards of directors.\n\nFor incentive plan participants hired after December 31, 2019, at-ri​sk deferred salary earned in each quarter will be paid out at the end of the same quarter of the second calendar year following the quarter in which it was earned.\n\nFor incentive plan participants hired before December 31, 2019, at-risk deferred salary earned in each quarter prior to January 1, 2022 will be paid out at the end of the same quarter of the following calendar year, and at-risk deferred salary earned in each quarter after January 1, 2022 will be paid out at the end of the same quarter of the second calendar year following the quarter in which it was earned; provided, however, that as a transition period, one-half of at-risk compensation earned by these incentive plan participants during 2022 will be paid out in 2023 and the remainder will be paid out in 2024.\n"} diff --git a/chunks/json/f938d5d853621823590f11cb458db3717b597bb726f0aedf6aa21b19c998d7bf.json b/chunks/json/f938d5d853621823590f11cb458db3717b597bb726f0aedf6aa21b19c998d7bf.json new file mode 100644 index 0000000000000000000000000000000000000000..f66d6046ad1c12c76f7bea7f7e978dddd6d2abf2 --- /dev/null +++ b/chunks/json/f938d5d853621823590f11cb458db3717b597bb726f0aedf6aa21b19c998d7bf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":665612,"char_start":664001,"chunk_id":"chk_81fc9c8040ae57ce","chunk_index":396,"chunk_sha256":"f938d5d853621823590f11cb458db3717b597bb726f0aedf6aa21b19c998d7bf","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"f938d5d853621823590f11cb458db3717b597bb726f0aedf6aa21b19c998d7bf","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Rent Control\n\nIf relevant\n\n23.03.17\n23.03.41\n\nRent\nConcessions\n\nIf relevant\n\nRequired when the\nrow is included in the\nrental comparison grid\n\nRequired when the\nrow is included in the\nrental comparison grid\n\nYes | No\n\nYes | No\n\nRequired when the\nrow is included in the\nrental comparison grid\n\nYes | No\n\nRequired when the\nrow is included in the\nrental comparison grid\n\nYes | No\n\nRental Information\n•\nUnit Furnished\n23.01.10\n\nRental Information\n•\n\nUtilities / Services\nIncluded 23.01.09\n\nRental Information\n•\nUnit Subject to\nRent Control\n23.01.07\n\nRental Information\n•\n\nRent Concessions\n23.01.08\n\nAppendix F-1: URAR Reference Guide\n\nPage 297 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n23 Rental Information\n\nReport\nField ID\n\n23.03.18\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable Unit\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nRental Information: Rental Comparison Grid\n\nAlways\n\nVehicle\nStorage |\nSpaces\n\nVehicle Storage Type\nfor Unit is not reported\nfor comparables\n\nNo\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nVehicle Storage Type for\nUnit does not populate\nfrom Vehicle Storage;\nthe appraiser must\nenter information for\neach unit in the Rent\nSchedule\n\nVehicle Storage Type for Unit\nThe type of parking spaces specifically dedicated to the unit.\n•\n•\n•\n•\n•\n•\n•\n•\n•\n\nNone (subject unit does not have any available vehicle storage)\nCarport\nCommon Carport\nDriveway\nGarage\nOpen Lot\nParking Garage\nShared Driveway\nOther (Describe)\n\n23.03.18 Vehicle\n\nAlways\n\nStorage |\nSpaces\n"} diff --git a/chunks/json/f9391c2135d00e3ebc1d1da6d5721613aefb875c3dcac317294acdc99d06cdfa.json b/chunks/json/f9391c2135d00e3ebc1d1da6d5721613aefb875c3dcac317294acdc99d06cdfa.json new file mode 100644 index 0000000000000000000000000000000000000000..70665bd84cf6e76f24e941d568232f882040e711 --- /dev/null +++ b/chunks/json/f9391c2135d00e3ebc1d1da6d5721613aefb875c3dcac317294acdc99d06cdfa.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6144,"char_start":4032,"chunk_id":"chk_ee23ee3af2f496ea","chunk_index":2,"chunk_sha256":"f9391c2135d00e3ebc1d1da6d5721613aefb875c3dcac317294acdc99d06cdfa","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"f9391c2135d00e3ebc1d1da6d5721613aefb875c3dcac317294acdc99d06cdfa","token_estimate":528,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"FHFA is responsible for ensuring that\n\nthe Enterprises operate in a safe and\nsound manner, including maintenance\nof adequate capital and internal\ncontrols, that their operations and\nactivities foster liquid, efficient,\ncompetitive, and resilient national\nhousing finance markets, and that they\ncarry out their public policy missions\nthrough authorized activities. See 12\nU.S.C. 4513.\n\nOn September 6, 2008, the Director of\n\nFHFA (Director) appointed FHFA as\nconservator of the Enterprises in\naccordance with the Safety and\nSoundness Act, as amended by HERA,\nto maintain the Enterprises in a safe and\nsound financial condition and to help\nassure performance of their public\nmission. The Enterprises remain under\nconservatorship at this time.\n\nB. Statutory Requirements\n\nSection 1127 of HERA amended\n\nsection 1326 of the Safety and\nSoundness Act by adding a new\nparagraph (d) which states that, subject\nto the privacy restrictions described in\nsection 304(j) of HMDA,1 the Director\nshall, by regulation or order, make\npublic certain information relating to\nsingle-family mortgage data of the\nEnterprises: (1) The same data from the\nEnterprises that is required of insured\ndepository institutions under HMDA;\nand (2) information collected by the\nDirector under section 1324(b)(6). See\n12 U.S.C. 4544(b)(6), 4546(d). Section\n1324(b)(6), in turn, part of a section\ndescribing the contents of FHFA’s\nAnnual Housing Activities Report\n(AHAR) to Congress, requires FHFA to\n‘‘compare the characteristics of high-\ncost loans purchased and securitized,\n[by each Enterprise] where such\nsecurities are not held on portfolio to\nloans purchased and securitized, where\nsuch securities are either retained on\nportfolio or repurchased by the\n[E]nterprise, including such\ncharacteristics as—(A) The purchase\nprice of the property that secures the\nmortgage; (B) the loan-to-value ratio of\nthe mortgage, which shall reflect any\nsecondary liens on the relevant\nproperty; (C) the terms of the mortgage;\n(D) the creditworthiness of the\nborrower; and (E) any other relevant\ndata, as determined by the Director.’’\nSee 12 U.S.C. 4544(b)(6).\n"} diff --git a/chunks/json/f942bda23a965c2d51f41a82509a712f316ca3f86925c69a26f5e93f238dbaa5.json b/chunks/json/f942bda23a965c2d51f41a82509a712f316ca3f86925c69a26f5e93f238dbaa5.json new file mode 100644 index 0000000000000000000000000000000000000000..427502ecc5c2e53e8f1a9ab7bf54cc65c4f44381 --- /dev/null +++ b/chunks/json/f942bda23a965c2d51f41a82509a712f316ca3f86925c69a26f5e93f238dbaa5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":73601,"char_start":71940,"chunk_id":"chk_2df6bae65a139b45","chunk_index":36,"chunk_sha256":"f942bda23a965c2d51f41a82509a712f316ca3f86925c69a26f5e93f238dbaa5","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"f942bda23a965c2d51f41a82509a712f316ca3f86925c69a26f5e93f238dbaa5","token_estimate":414,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"< SALES_CONTRACTS>\n \n\n\n\n30000.00\n true\n 210000.00\n\n\n\n\n\n\n\n\n \n\n…\n\n\nUCD v2.0 Implementation Guide\n\n- 25 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nB. LIABILITY DATA\n\nThe LIABILITIES structure captures data about mortgage loans, debts and other obligations that must be paid off in part or\nin full as a condition of securing the mortgage loan.\n\nTable 13. XML File Container Structure for Liability Data.\n\nUCD UID\n\nContainer Name\n\nUCD Usage Notes\n\n999.037\n\nLIABILITIES\n\n999.038\n\nLIABILITY\n\n999.572\n\nLIABILITY\n\nOne or more groups of liability information. The LIABILITY container holds the liability\nline item data to provide in the XML file.\n\nHolds child containers and data points making up a liability line item. Up to 23 instances\nmay be delivered.\n\nSpecified for the situation when the borrower pays off a seller’s property lien outside of\nclosing as a condition of the purchase.\n\n999.039\n\nLIABILITY_DETAIL\n\nHolds data points describing the liability’s non-payment characteristics.\n\n999.585\n/999.586\n\n999.579/\n999.580\n\nEXTENSION/OTHER\n\n▪ MISMO structure for adding proprietary data to the v3.3.0 version.\n\n▪ This approach enables non-MISMO data to be delivered and validated against\n\nMISMO v3.3.0 as “ok to be in file” but no other validations take place (for example,\nvalid values or location in XML file).\n"} diff --git a/chunks/json/f9646ae829e4c1a27ecfe627b731a73803d37f861c2d557f2e9fd001da3ee0d5.json b/chunks/json/f9646ae829e4c1a27ecfe627b731a73803d37f861c2d557f2e9fd001da3ee0d5.json new file mode 100644 index 0000000000000000000000000000000000000000..624faa78345847a45e56918fad3b681a145c53ff --- /dev/null +++ b/chunks/json/f9646ae829e4c1a27ecfe627b731a73803d37f861c2d557f2e9fd001da3ee0d5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6478,"char_start":4876,"chunk_id":"chk_cfdd44bfbfb3805f","chunk_index":3,"chunk_sha256":"f9646ae829e4c1a27ecfe627b731a73803d37f861c2d557f2e9fd001da3ee0d5","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_3c01f0202cf532fe","text_sha256":"f9646ae829e4c1a27ecfe627b731a73803d37f861c2d557f2e9fd001da3ee0d5","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.xml/SF3_Appraisal_v1.3.xml"]},"text":"Laminate\n\nNo damage or condition issues noted\n\nTypicalWearAndTear\n\nStandard Grade - meets market expectations for this type of unit.\n\nFlooring\n\nNotUpdated\n\nNo damage or condition issues noted\n\nTypicalWearAndTear\n\nStandard drywall meets market expectations for this type of dwelling.\n\nWallsAndCeiling\n\nEightFeet\n\nFlat\n\nAboveGrade\n\n464\n\nLevelOne\n\n0\n\n0\n\n0\n\n0\n\n0\n\n464\n\n0\n\ntrue\n\ntrue\n\ntrue\n\nExteriorAccessOnly\n\n0\n\n1\n\n0\n\nC4\n\nQ4\n\n1\n\nNotUpdated\n\nfalse\n\nCottage\n\nfalse\n\nOwnerOccupied\n\nThe ADU was built out within the past 5-10 years with standard builder grade materials that are typical for accessory units in this market. The unit has been well maintained with no apparent defects, damages, or deficiencies.\n\nfalse\n\n\\\\Images\\SF3_ADUBath.png\n\nimage/png\n\nLevelOne\n\nNo damage or condition issues noted\n\nTypicalWearAndTear\n\nStandard builder grade cabinets and materials\n\nFullBathroom\n\nNotUpdated\n\n\\\\Images\\SF3_ADUKitchen.png\n\nimage/png\n\nLevelOne\n\nNo damage or condition issues noted\n\nTypicalWearAndTear\n\nStandard builder grade cabinets, materials, and appliances\n\nKitchen\n\nNotUpdated\n\n\\\\Images\\SF3_ADULivingRoom.png\n\nimage/png\n\nLevelOne\n\nLivingRoom\n\n1\n\n464\n\n0\n\n0\n\nThe subject's outbuilding is a standalone ADU. Please see the Unit Interior - Standalone ADU for details and comments.\n\nElectric\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\SF3_DwellingFront.png\n\nimage/png\n\nDwellingFront\n\n\\\\Images\\SF3_DwellingFront.png\n\nimage/png\n\nPublic Street\n\nPropertyAccess\n\n\\\\Images\\SF3_StreetAccess.png\n\nimage/png\n\nSalesComparableMap\n\n\\\\Images\\SF3_CompMap.png\n\nimage/png\n\nSubjectPropertyImprovementSketch\n\n\\\\Images\\SF3_Sketch.png\n"} diff --git a/chunks/json/f97718e3106d279c4d6ea91682b90400a13c8b782c28a0acf3b4933a6fd7e0ac.json b/chunks/json/f97718e3106d279c4d6ea91682b90400a13c8b782c28a0acf3b4933a6fd7e0ac.json new file mode 100644 index 0000000000000000000000000000000000000000..3606dcb99959c01b5332e08929fb32cd388da452 --- /dev/null +++ b/chunks/json/f97718e3106d279c4d6ea91682b90400a13c8b782c28a0acf3b4933a6fd7e0ac.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9273,"char_start":7115,"chunk_id":"chk_e760bccafca8e121","chunk_index":4,"chunk_sha256":"f97718e3106d279c4d6ea91682b90400a13c8b782c28a0acf3b4933a6fd7e0ac","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_be6881c7111e42f5","text_sha256":"f97718e3106d279c4d6ea91682b90400a13c8b782c28a0acf3b4933a6fd7e0ac","token_estimate":537,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Enterprise_Single_Family_Public_Use_Database_Dashb_862d6.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - [Dashboards](/data/dashboard)\n - Enterprise Single-Family Public Use Database Dashboard\n\n# Enterprise Single-Family\n\nPublic Use Database Dashboard\n\n##### About\n\n[Single-Family Public Use Database (PUDB)](https://www.fhfa.gov/data/public-use-database) The Single-Family Public Use Database (PUDB) contains Enterprise Single-Family mortgage loan level data, including data elements that have been determined to lose their proprietary character when categorized in ranges or otherwise adjusted or recoded. There are two separate files: a Census Tract File that identifies the census tract location of the mortgaged properties; and a National File that does not identify the location of the mortgaged properties, but contains mortgage-level data and unit class-level data on all Single-Family properties. This dashboards rolls up information from the Census Track File nationally, and merge that with the National File.\n"} diff --git a/chunks/json/f979485de341a19351e483d36b6b841df1ceaf2c04ac089fd505f3dd55438ccd.json b/chunks/json/f979485de341a19351e483d36b6b841df1ceaf2c04ac089fd505f3dd55438ccd.json new file mode 100644 index 0000000000000000000000000000000000000000..3e9cbad4e9499cd163475ca0a5647e2376f8d4ce --- /dev/null +++ b/chunks/json/f979485de341a19351e483d36b6b841df1ceaf2c04ac089fd505f3dd55438ccd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":24673,"char_start":23068,"chunk_id":"chk_d8670a03c4e9f9e7","chunk_index":14,"chunk_sha256":"f979485de341a19351e483d36b6b841df1ceaf2c04ac089fd505f3dd55438ccd","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"f979485de341a19351e483d36b6b841df1ceaf2c04ac089fd505f3dd55438ccd","token_estimate":402,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.pdf/MH1_Appraisal_v1.3.pdf"]},"text":"Transfer Terms\nNone\n\nData Source\nMLS\n\nAmount\n\nDate\n\n2\n\n3\n\nShort Sale\n\nNone\n\n03/28/2018\n\n$332,000\n\nMLS\n\nMLS\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales Comparable 2 was sold via a short sale, the manufactured home has been\ncompletely remodeled and was listed and resold on the open market.\n\nAppraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nSale Price\n\nTransfer Terms\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nProperty Rights Appraised\n\nAll Rights Included\n\nRights Not Included\n\nSame Builder as Subject\n\nSite\n\nSite Size\n\nNeighborhood Name\n\nHazard Zone\n\nSite Influence (Location)\n\nApparent Environmental\nConditions\n\nView | Range\n\nUniform Residential Appraisal Report\n\nPage 19 of 30\nPage 19 of 30\n\nSales Comparison Approach\n\nGeneral Information\n\nProperty Address\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\n123 Anywhere St\nSome City, VA 20141\n\n345 Somewhere Ave\nSome City, VA 20141\n\n222 Canal Blvd\nAnywhere City, VA 20141\n\n98761 State Rd 3\nAnywhere City, VA 20141\n\nThis is where the\nSubject Property photo\nwould display.\n\nThis is where the\nComparable 1 photo\nwould display.\n\nThis is where the\nComparable 2 photo\nwould display.\n\nThis is where the\nComparable 3 photo\nwould display.\n\nMLS 87598763 |\nAssessor Record\n\n3.71 Miles SE\n\n$440,000\n\nSettled Sale\n\n$435,000\n\nTypically\nMotivated\n\n$12,000\n\n$(6,000)\n\n$0\n\n$0\n\n06/01/2019\n\n08/05/2019\n\n65\n\nDetached\n\nFee Simple\n\nNo\n\n—\n\n—\n\n—\n\n—\n\n—\n\nDetached\n"} diff --git a/chunks/json/f97fc7871f1182c6a8a8961abf37dbf40886317ff811a83413f7aae850657ab9.json b/chunks/json/f97fc7871f1182c6a8a8961abf37dbf40886317ff811a83413f7aae850657ab9.json new file mode 100644 index 0000000000000000000000000000000000000000..a997a62699f125a02f65e3b1c172d48124f58e52 --- /dev/null +++ b/chunks/json/f97fc7871f1182c6a8a8961abf37dbf40886317ff811a83413f7aae850657ab9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":229512,"char_start":227882,"chunk_id":"chk_d2218db83d0f0b70","chunk_index":132,"chunk_sha256":"f97fc7871f1182c6a8a8961abf37dbf40886317ff811a83413f7aae850657ab9","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"f97fc7871f1182c6a8a8961abf37dbf40886317ff811a83413f7aae850657ab9","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Key Characteristics\n\n•\n\nProject Information\n\no Property is in a Cooperative Project\no Tax Abatements apply\no Project recently converted from apartment complex\no Project reported Incomplete due to unplanted trees\no Unit Transfer Fees apply\n• Historical Preservation property\n• Updated Kitchen & Bathrooms\n• One parking space included\n•\n\nThe Sales Comparison Approach section includes Additional Properties Analyzed Not Used\n\nNote: Photos (including “blank” photos) are used for examples only and do not necessarily correlate\nto information 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\n700 1ST AVE, NW, UNIT 1206, WASHINGTON, DC 20001\n\nSUMMARY\n\nOpinion of Market Value\n\n$548,999 (Cooperative Interest)\n\nMarket Value Condition\n\nAs Is\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nAnnie Appraiser\n\nOverall Quality\nOverall Condition\n\nQ3\nC3\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\n\n08/28/2019\nPurchase\nJohn Jones\nMary Jones\nCurrent Owner of Public Record Harry Smith\n\nContract Price\nListing Status\n\nProperty Description\n\nAttachment Type\nStructure Design\n\nBill Smith\n$585,000\nPending\n\nAttached\nHigh-rise\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nObserved Project Deficiencies\nSubject Site Owned in Common\n\nUnits Excluding ADUs\nAccessory Dwelling Units\n\n1\n0\n\nIs the highest and best use of the subject property as\nimproved (or as proposed per plans and specifications)\nthe present use?\n\nProperty Restriction\nZoning Compliance\n"} diff --git a/chunks/json/f980dc699234741c2bb1a97ab683592e641a8bd1116d9b23eba83f5cee160eac.json b/chunks/json/f980dc699234741c2bb1a97ab683592e641a8bd1116d9b23eba83f5cee160eac.json new file mode 100644 index 0000000000000000000000000000000000000000..5d46b0135fd6add85d61e9a723eb2208be7eff8f --- /dev/null +++ b/chunks/json/f980dc699234741c2bb1a97ab683592e641a8bd1116d9b23eba83f5cee160eac.json @@ -0,0 +1 @@ +{"chunk":{"char_end":710932,"char_start":709281,"chunk_id":"chk_7dbb361b975e70e7","chunk_index":421,"chunk_sha256":"f980dc699234741c2bb1a97ab683592e641a8bd1116d9b23eba83f5cee160eac","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"f980dc699234741c2bb1a97ab683592e641a8bd1116d9b23eba83f5cee160eac","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If field 1-39 is indicated, this field must be\nindicated.\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 130 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n41\n\nSUBJECT\n\nReport data source(s) used, offering\nprice(s), and date(s).\n\nListed Within\nPrevious Year\nDescription\n\nA free-form text describing the offering\nprices, dates, and data sources of the\nprevious twelve (12) months of listing.\n\n/VALUATION_RESPONSE/PROPERTY/LISTING_HISTORY/@ListedWithinP\nreviousYearDescription\n\n4000\n\nString\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nIf there are no current or prior offerings in the 12 months prior to the effective date of\nthe appraisal, then this field must indicate the data sources used to establish this fact.\nAny relevant additional comments must also go in this field.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\n42\n\n43\n\nCONTRACT\n\nI did analyze the contract for sale for the\nsubject purchase transaction.\n\nSales Contract\nReviewed Indicator\n\nIndicates that the sales contract has been\nreviewed.\n\n/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@_ReviewedIn\ndicator='Y']\n\nCONTRACT\n\nI did not analyze the contract for sale for\nthe subject purchase transaction.\n\nSales Contract\nReviewed Indicator\n\nIndicates that the sales contract has been\nreviewed.\n"} diff --git a/chunks/json/f99f5189078cd3c55a017291bf4ddfe840092e4d9cfa7929162b1f9a2a319f25.json b/chunks/json/f99f5189078cd3c55a017291bf4ddfe840092e4d9cfa7929162b1f9a2a319f25.json new file mode 100644 index 0000000000000000000000000000000000000000..069279d0c5f41cb161b0298beedec0a83682d857 --- /dev/null +++ b/chunks/json/f99f5189078cd3c55a017291bf4ddfe840092e4d9cfa7929162b1f9a2a319f25.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1691,"char_start":0,"chunk_id":"chk_fa4a652245cc224e","chunk_index":0,"chunk_sha256":"f99f5189078cd3c55a017291bf4ddfe840092e4d9cfa7929162b1f9a2a319f25","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e92a533ee2f09e32","text_sha256":"f99f5189078cd3c55a017291bf4ddfe840092e4d9cfa7929162b1f9a2a319f25","token_estimate":423,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2023-ucd-release-notes.pdf"]},"text":"Uniform Closing Dataset (UCD) Collection Solution Enhancements\nQuick Guide for UCD Enhancements\n\nThis UCD Collection Solution Enhancements guide provides access to this year’s previous, current, and upcoming UCD updates in an easy-to-read, all-in-one document. See\nthe 2022 Release Notes Summary to review an archive of the enhancements to UCD in 2022.\n\nLooking for Feedback Message updates? Review the ‘Revision History’ tab in the UCD Feedback Messages for a summary of this year’s message updates.\n\nDec. 14, 2023\n\nOn the Horizon\n\nEffective\nDate\n\nJanuary 22,\n2024\n\nImpacted Area\n\nUCD User Interface –\nInformational Qualified\nMortgage Data Point\nLookup\n\nDescription\n\nOn Jan. 22, 2024, a new tab will be added to the UCD User Interface (UI) that will display data points related to Qualified\nMortgage (QM) thresholds.\n\nLenders are required to deliver data elements related to QM in the UCD file, including the method by which the creditor\nsatisfied the Ability to Repay (ATR) requirements or reason for exemption, the Annual Percentage Rate (APR) and Average\nPrime Offer Rate (APOR) percentages, Regulation Z Total Loan Amount, and Regulation Z Total Points and Fees Amount.\n\nThese data points are used to perform QM related checks at time of delivery in Loan Delivery. The edits validate that the data\nrelated to the APR-APOR spread thresholds and points and fees provided in UCD meets the requirements outlined in the\nLender Letter LL-2021-11.\n\nThe new informational tab in the UCD UI will allow a search by Casefile ID to display the values from UCD that are used in\nperforming the Loan Delivery QM edits, along with the APR-APOR spread and points and fees percentage for quick reference.\n"} diff --git a/chunks/json/f9ae74bebf1287a2f8002b92eae3947a3827384165bbebb33a1f164ad509201b.json b/chunks/json/f9ae74bebf1287a2f8002b92eae3947a3827384165bbebb33a1f164ad509201b.json new file mode 100644 index 0000000000000000000000000000000000000000..02686b2eef7ee3b030bec7080397c17a4c172fde --- /dev/null +++ b/chunks/json/f9ae74bebf1287a2f8002b92eae3947a3827384165bbebb33a1f164ad509201b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":137653,"char_start":136005,"chunk_id":"chk_86b93f1a3bdbebd1","chunk_index":80,"chunk_sha256":"f9ae74bebf1287a2f8002b92eae3947a3827384165bbebb33a1f164ad509201b","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"f9ae74bebf1287a2f8002b92eae3947a3827384165bbebb33a1f164ad509201b","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Distressed Market Competition\nGraph\n\nPrice Trend Source\n\n31\n$719,000\n$764,000\n$809,000\nNo\nMedian Days on Market\nPrice Trend\nXYZ MLS\n\nShortage\n\nMarketing Time\n\nUnder 3 months\n\nSubject location is close to public transportation and employment centers, resulting in high demand for housing under $1 million. The\nidentified market segment covers the bedroom community outside southeast LA.\n\nMarket Exhibits\n\nMedian Days on Market\n\nThis is where the Median Days on Market Graph would display.\n\nPrice Trend\n\nThis is where the Price Trends Graph would display.\n\nAppraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)\n\nUniform Residential Appraisal Report\n\nPage 11 of 22\nPage 11 of 22\n\nProject Information\n\nPlanned Unit Development (PUD) \n\nCondominium \n\nCooperative \n\nCondop \n\nThe MI5\n\nProject Name\nProject Information Data Source Condominium Questionnaire\nTotal Units\nUnits Sold\nUnits for Sale\nUnits Rented\n\n36\n34\n2\n~3\n\nProject Completeness\n\nAre units, common areas, and amenities in project\ncomplete?\nConverted in Past 3 Years\n\nReason Units Rented is Estimated The appraiser was unable to\nobtain an exact count of renters due to incomplete data on the\nCondo Questionnaire.\nMandatory Fees (HOA, PUD, or Co-op)\n\nGround Rent\n\nMonthly Amount\nCommon Amenities/\nServices Included\n\nUtilities Included\n\nObserved Deficiencies\n\n$604\n\nBuilt-in Pool\nInground Spa\nUnit Storage (Assigned)\nSanitary Sewer\nWater\n\nYes No\n \n\nDescription of Deficiencies There is on-going renovation of\nbalconies on the building due to settlement cracking.\n"} diff --git a/chunks/json/f9b8b49adedd1a36ca5456b20a6d68ac5dfbe6a6661af27a037bf2b3d79176df.json b/chunks/json/f9b8b49adedd1a36ca5456b20a6d68ac5dfbe6a6661af27a037bf2b3d79176df.json new file mode 100644 index 0000000000000000000000000000000000000000..180ffe4b8f79b2489edffb1c60c829b8eefb14d7 --- /dev/null +++ b/chunks/json/f9b8b49adedd1a36ca5456b20a6d68ac5dfbe6a6661af27a037bf2b3d79176df.json @@ -0,0 +1 @@ +{"chunk":{"char_end":49792,"char_start":48017,"chunk_id":"chk_aeabdb088acfeeba","chunk_index":26,"chunk_sha256":"f9b8b49adedd1a36ca5456b20a6d68ac5dfbe6a6661af27a037bf2b3d79176df","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"f9b8b49adedd1a36ca5456b20a6d68ac5dfbe6a6661af27a037bf2b3d79176df","token_estimate":444,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"I\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n2\n4\nC\nV\n5\nF\n9\nK\nS\nD\nn\no\n\nr\ne\nt\nt\no\n\nl\n\n34202\n\nFederal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices\n\nguaranteed by the Department of\nVeterans Affairs, guaranteed by the\nRural Housing Service or the Farm\nService Agency, or Conventional.72 The\ncurrent PUDB Single-Family Census\nTract File includes a data field for\nFederal Guarantee, which conforms\nwith HMDA Loan Type. Federal\nGuarantee will continue to be disclosed\nwithout modification in the PUDB\nSingle-Family Census Tract File, in\nconformance with the CFPB Privacy\nGuidance.73\n\nProperty Location: Property Location\n\nis an unchanged HMDA element that\nincludes values for the State, County,\nand Census Tract location of the\nmortgaged property.74 Data elements for\nthese values are currently disclosed in\nthe PUDB Single-Family Census Tract\nFile without modification, in\nconformance with the CFPB Privacy\nGuidance.75 They will continue to be\ndisclosed without modification in this\nFile.\n\nIncome: Income is an unchanged\n\nHMDA data element disclosing the gross\nannual borrower income relied on in\nmaking the credit decision.76 The\ncurrent PUDB Single-Family Census\nTract File discloses this data as\nBorrower’s Annual Income rounded to\nthe nearest $1,000, which conforms\nwith the CFPB Privacy Guidance.77\nIncome will continue to be disclosed in\nthis manner in this File.\n\nType of Purchaser: Type of Purchaser\n\nis a modified HMDA data element\nreported by a loan originator that\nindicates the type of purchaser for loans\nsold within the same calendar year as\norigination.78 This includes separate\nvalues for Fannie Mae and Freddie\nMac.79 All Files in the current Single-\nFamily PUDB include an Enterprise\nFlag, which is equivalent to the HMDA\nType of Purchaser values for Fannie\n"} diff --git a/chunks/json/f9b8b5e2f06ae78a14abed428da052bb34488dd0228f722b37ff8f3a6c737b42.json b/chunks/json/f9b8b5e2f06ae78a14abed428da052bb34488dd0228f722b37ff8f3a6c737b42.json new file mode 100644 index 0000000000000000000000000000000000000000..6663d3943e8ce96faf055f28e935dca6facb8496 --- /dev/null +++ b/chunks/json/f9b8b5e2f06ae78a14abed428da052bb34488dd0228f722b37ff8f3a6c737b42.json @@ -0,0 +1 @@ +{"chunk":{"char_end":150811,"char_start":149156,"chunk_id":"chk_7269c33e47246c40","chunk_index":88,"chunk_sha256":"f9b8b5e2f06ae78a14abed428da052bb34488dd0228f722b37ff8f3a6c737b42","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"f9b8b5e2f06ae78a14abed428da052bb34488dd0228f722b37ff8f3a6c737b42","token_estimate":414,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Reason Not Used\nBathroom Count\nBedroom Count\n\n08/15/2019\n\nSettled Sale\n\n08/20/2019\n\nSettled Sale\n\nBathroom Count\nFinished Area\n\nBathroom Count\nFinished Area\n\nComment\nSuperior utility resulted in a higher sale price.\n\nLarger unit offering greater utility.\n\nSmaller unit offering less utility.\n\n08/26/2019\n\nSettled Sale\n\nCondition\n\nWas listed as a “fixer upper” by the agent.\n\n08/30/2019\n\nSettled Sale\n\nCondition\nFinished Area\n\nMuch larger unit that was recently renovated.\n\nAppraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)\n\nUniform Residential Appraisal Report\n\nPage 17 of 22\nPage 17 of 22\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Map\n\nAppraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)\n\nUniform Residential Appraisal Report\n\nPage 18 of 22\nPage 18 of 22\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nComparable #4\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nSales Comparison Approach\n$778,000\n\nIncome Approach\n\nCost Approach\n\nNot Necessary for Credible Results\n\nNot Necessary for Credible Results\n\nAppraisal Summary\n\nOpinion of Market Value\nMarket Value Condition\n\n$778,000\nAs Is\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n90 days\n09/08/2019\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n"} diff --git a/chunks/json/f9ba6424c24b75ca2e45e076fbc7799acf0c6b6317d66cc70b76f61f3380bef0.json b/chunks/json/f9ba6424c24b75ca2e45e076fbc7799acf0c6b6317d66cc70b76f61f3380bef0.json new file mode 100644 index 0000000000000000000000000000000000000000..981617f4c550eed24603eb4a418ccffc564a130c --- /dev/null +++ b/chunks/json/f9ba6424c24b75ca2e45e076fbc7799acf0c6b6317d66cc70b76f61f3380bef0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12479,"char_start":10449,"chunk_id":"chk_ae7d4aceeb48c312","chunk_index":6,"chunk_sha256":"f9ba6424c24b75ca2e45e076fbc7799acf0c6b6317d66cc70b76f61f3380bef0","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e850234b5f802a10","text_sha256":"f9ba6424c24b75ca2e45e076fbc7799acf0c6b6317d66cc70b76f61f3380bef0","token_estimate":506,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fraud_Prevention___FHFA_zbisx.md"]},"text":"***Frau******d**for Profit*** usually involves industry insiders such as appraisers, brokers, and loan originators. Such schemes aim to gain cash or home equity through abuse of the mortgage lending process.\n\n***Fraud for Housing***primarily consists of illegal actions by borrowers motivated to acquire or maintain ownership of a home.\n\nMortgage fraud can occur through the actions of borrowers and through the actions of mortgage industry professionals in connection with obtaining a mortgage loan.\n\nCommon instances of fraud committed by borrowers and mortgage industry professionals include:\n\n- Providing false information regarding employment status, income level, or employer;\n - Misrepresenting the source of funds for a borrower’s down payment;\n - Falsifying a borrower’s credit score and/or outstanding debts and liabilities;\n - Misrepresenting a borrower’s intent to occupy the property\n - Providing false information concerning a borrower’s identity;\n - Using inaccurate appraisal figures to misrepresent the true value of a property;\n - Obtaining multiple loans on a single property based on false information;\n - Providing false property information to secure or modify a loan; and​\n - Misrepresenting income, hardship, or related information to halt foreclosure or influence a short-sale decision.​\n\nImage\n\n![red triangular shape with word mortgage and yellow tape wrapped around reading fraud ](/sites/default/files/styles/large/public/2023-04/mortgage-fraud-2021.png?itok=SWNhiLc2)\n\n#### Common Mortgage Relief Fraud Schemes\n\nMortgage fraud risk is present during the life of a loan, especially if a borrower encounters financial hardship. While legitimate assistance programs are available to borrowers, there are many schemes to defraud borrowers undergoing hardship. Borrowers should carefully review mortgage or foreclosure relief, loan modification, or debt elimination offers, especially offers requiring up-front payments. The most common foreclosure assistance and loan modification scams include:\n"} diff --git a/chunks/json/f9bef4bec7766b9db084584158675d6ba5f170ff1f2f20dd5a52ffa2e834c9d6.json b/chunks/json/f9bef4bec7766b9db084584158675d6ba5f170ff1f2f20dd5a52ffa2e834c9d6.json new file mode 100644 index 0000000000000000000000000000000000000000..0ddf97ea33fc4a4dbecd05b1669910056a55908f --- /dev/null +++ b/chunks/json/f9bef4bec7766b9db084584158675d6ba5f170ff1f2f20dd5a52ffa2e834c9d6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":43375,"char_start":41763,"chunk_id":"chk_e669b4719bf93066","chunk_index":18,"chunk_sha256":"f9bef4bec7766b9db084584158675d6ba5f170ff1f2f20dd5a52ffa2e834c9d6","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"f9bef4bec7766b9db084584158675d6ba5f170ff1f2f20dd5a52ffa2e834c9d6","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"999.001 MESSAGE\n\nHolds a series of attributes identifying the XML schema files governing the\ndata used in UCD v2.0. These attributes can also be called “Declarations”.\n\nABOUT_VERSIONS/ ABOUT_VERSION\n\n▪ MISMO construct. Plural containers enable and hold multiple sequential\n\n999.002 |\n999.003\n\n999.004 |\n999.005\n\n999.008 |\n999.009\n\n999.014 DEAL_SETS\n\nDOCUMENT_SETS/DOCUMENT_SET\n\nDOCUMENTS/DOCUMENT\n\noccurrences of the singular child container.\n\n▪ The UCD XML file accepts only one instance of ABOUT_VERSION to\n\nidentifies the version of UCD on which the XML file is based (“UCD2.0”)\nand the date the XML file was created.\n\nMISMO structure indicating the UCD XML file contains both data and a\ndocument (the PDF version of the CD). The UCD XML file accepts one\ninstance of each of these containers.\n\nWhen an XML file includes both data and document(s), DOCUMENT holds\ninformation about the document, the embedded document, and the entire\ndata structure.\n\nThe parent container for the XML data payload. It is under DOCUMENT so\nthat the data describing a CD and the VIEW of the CD are “contained”\ntogether.\n\n999.015 |\n999.016 |\n999.017\n\nDEAL_SET/DEALS/DEAL\n\n▪ DEAL_SET holds containers that span the life of the loan once it has been\n\nsecuritized.\n\n▪ DEALS holds containers that group together one or more loans.\n\n▪ DEAL holds all the information about one loan transaction.\n\n999.638 |\n999.639\n\nPARTIES/PARTY\n[PartyRoleType=”LoanDeliveryFilePreparer”]\n\nGroups sets of containers categorizing information about the party\ndelivering the XML file.\n\n999.461 |\n999.462 |\n999.463 |\n999.464\n\nVIEWS/VIEW/ VIEW_FILES/VIEW_FILE\n"} diff --git a/chunks/json/f9c1d9085160126801a0bea6f93ef1b5c36bb1595e4b27344b291eb84a3615c7.json b/chunks/json/f9c1d9085160126801a0bea6f93ef1b5c36bb1595e4b27344b291eb84a3615c7.json new file mode 100644 index 0000000000000000000000000000000000000000..ceb42fa256e1303a9752807271825a0ef4f11103 --- /dev/null +++ b/chunks/json/f9c1d9085160126801a0bea6f93ef1b5c36bb1595e4b27344b291eb84a3615c7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":223769,"char_start":222150,"chunk_id":"chk_1797e73ff1357336","chunk_index":125,"chunk_sha256":"f9c1d9085160126801a0bea6f93ef1b5c36bb1595e4b27344b291eb84a3615c7","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"f9c1d9085160126801a0bea6f93ef1b5c36bb1595e4b27344b291eb84a3615c7","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"• Worn floor finishes or carpet that shows age\n\n• Kitchen or bathrooms that are dated but fully functional\n\nThe dwelling exhibits significant wear\nand tear resulting from inadequate\nmaintenance, but the soundness and\n\nA dwelling in C5 condition has items that will need to be repaired,\nrehabilitated, or replaced in the near future for the dwelling to remain\nuseable and functional.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 89 of 166\n\nUAD 3.6 Policy\n\nstructural integrity are sufficient to\nsupport occupancy. Some components\nmay be missing or near the end of their\nuseful life, but major components are\nstill functional.\n\nC6\n\nThe dwelling features an extreme lack of\nmaintenance, resulting in severe\ndamages, deficiencies, or defects that\nimpact the soundness or structural\nintegrity, and the dwelling is not suitable\nfor occupancy. There are major\ncomponents that may be missing, no\nlonger functional, or otherwise require\nimmediate correction.\n\nExamples include, but are not limited to:\n\n• Roofing that is significantly worn, cupped, or curled but with no\napparent active leaks\n\n• Severely worn, damaged, or missing floor coverings\n\n• Functional kitchen or bathroom that may be in disrepair (e.g.,\ndamaged or missing cabinets or countertops).\n\nA dwelling in C6 condition is not useable or functional in its current\nstate, and will require immediate repairs, rehabilitation, or replacement\nof key components.\n\nExamples include, but are not limited to:\n\n• Active roof leaks\n\n• Damaged or missing exterior components that allow weather intrusion\ninto the dwelling with resultant structural impact or damage\n"} diff --git a/chunks/json/f9c7d8bd41bcf38a67f7c111fa0bfb27d782d10670714f1eee0cdd5b46c4a337.json b/chunks/json/f9c7d8bd41bcf38a67f7c111fa0bfb27d782d10670714f1eee0cdd5b46c4a337.json new file mode 100644 index 0000000000000000000000000000000000000000..bd54cbff245d2d58729386b4e396f4eb367c9314 --- /dev/null +++ b/chunks/json/f9c7d8bd41bcf38a67f7c111fa0bfb27d782d10670714f1eee0cdd5b46c4a337.json @@ -0,0 +1 @@ +{"chunk":{"char_end":818978,"char_start":817363,"chunk_id":"chk_51ebd42b52401f82","chunk_index":486,"chunk_sha256":"f9c7d8bd41bcf38a67f7c111fa0bfb27d782d10670714f1eee0cdd5b46c4a337","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"f9c7d8bd41bcf38a67f7c111fa0bfb27d782d10670714f1eee0cdd5b46c4a337","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Either field 2-33 or, at least one of fields 2-\n34, 2-35, 2-36, 2-37, 2-38, 2-39, 2-40, 2-41\n(Unit Charge Utility Included In Assessment\nIndicator = 'Y' and values of Unit Charge\nUtility Type) should be indicated.\n\nEither field 2-33 or, at least one of fields 2-\n34, 2-35, 2-36, 2-37, 2-38, 2-39, 2-40, 2-41\n(Unit Charge Utility Included In Assessment\nIndicator = 'Y' and values of Unit Charge\nUtility Type) should be indicated.\n\nEither field 2-33 or, at least one of fields 2-\n34, 2-35, 2-36, 2-37, 2-38, 2-39, 2-40, 2-41\n(Unit Charge Utility Included In Assessment\nIndicator = 'Y' and values of Unit Charge\nUtility Type) should be indicated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 144 of 211\n\nDocument Version 1.4\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\nFormat\n\nBoolean\n\nBoolean\n\nBoolean\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nString\n\nString\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\n241\n\n242\n\n243\n\n244\n\n245\n\n246\n\n247\n\n248\n\n249\n\n250\n\n251\n\n252\n\n253\n\n254\n\n255\n\n256\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n39\n\n40\n\n41\n\n42\n\n43\n\n44\n\n45\n\n46\n\n47\n\n48\n\n49\n\n50\n\n51\n\n52\n\n53\n\n54\n\nUNIT\nIMPROVEMENTS\n\nUtilities included in the unit monthly\nassessment\nSewer\n\nUNIT\nIMPROVEMENTS\n\nUtilities included in the unit monthly\nassessment\nCable\n\nUNIT\nIMPROVEMENTS\n\nUtilities included in the unit monthly\nassessment\nOther\n\nUNIT\nIMPROVEMENTS\n\nUNIT\nIMPROVEMENTS\n\nUNIT\nIMPROVEMENTS\n"} diff --git a/chunks/json/f9de25fc08a830575f4762c0ebf601f7676879c7d3051618594ea3246e687335.json b/chunks/json/f9de25fc08a830575f4762c0ebf601f7676879c7d3051618594ea3246e687335.json new file mode 100644 index 0000000000000000000000000000000000000000..732770a7abc8a0d4c6af8d4a194a97be8de404ec --- /dev/null +++ b/chunks/json/f9de25fc08a830575f4762c0ebf601f7676879c7d3051618594ea3246e687335.json @@ -0,0 +1 @@ +{"chunk":{"char_end":96111,"char_start":94414,"chunk_id":"chk_e17bb3773c83a1f9","chunk_index":54,"chunk_sha256":"f9de25fc08a830575f4762c0ebf601f7676879c7d3051618594ea3246e687335","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"f9de25fc08a830575f4762c0ebf601f7676879c7d3051618594ea3246e687335","token_estimate":424,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Assistance subsection)\n\n• Entity providing a property data report (Property Data Report subsection)\n\nSelect Role(s) for all the contacts that are identified in the Assignment Information section. When selecting\nRole(s) to associate with a contact, select the ones that most closely identify the role(s) the contact performed\nas part of the assignment.\n• Select as many Roles as are applicable but at least one for each identified contact.\n\nReport\nField ID\n\n2.010\n2.011\n\nReport Label\n\nWhen to Include\n\nN/A\n\nAlways required for\neach contact (person)\n\nAssignment: Contact Information – Role\n\nAllowable\nAnswers / Format\n\nChoose allowable\nanswers from\ntables (Lender,\nClient, and AMC),\n(Appraiser and\nSupervisory\nAppraiser),\n(Significant Real\nProperty Appraisal\nAssistance), and\n(Property Data\nCollector)\n\nDefinition / Additional Guidance\n\nRole: The role that the person or company performed in the assignment.\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n\nAppraisal Management Company\nAppraiser\nAttorney\nClient\nInvestor\nLender\nProperty Data Collector\nSignificant Real Property Appraisal Assistance\nSupervisory Appraiser\nOther (Describe)\n\nSelect all applicable roles but at least one Role for each contact that is in the\nappraisal report.\n\nAppendix F-1: URAR Reference Guide\n\nPage 36 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n02 Assignment Information\n\nLender, Client, and AMC\n\nThis portion of the Contact Information subsection shows details about the lender, client, and / or AMC.\nContacts display here when Role is Lender, Client or AMC.\n\nChoose one contact as the Client in addition to any other role the client has been associated with. Note that\nClient, Lender, and AMC are all identified as Roles in this section.\n"} diff --git a/chunks/json/f9e8658e923258ab98d5baa64e88728968bd1ffd5037c048397ba4e57f4f7fb3.json b/chunks/json/f9e8658e923258ab98d5baa64e88728968bd1ffd5037c048397ba4e57f4f7fb3.json new file mode 100644 index 0000000000000000000000000000000000000000..4252b496f984bdc7f304902fd3e6dcfa21370938 --- /dev/null +++ b/chunks/json/f9e8658e923258ab98d5baa64e88728968bd1ffd5037c048397ba4e57f4f7fb3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10848,"char_start":9156,"chunk_id":"chk_3126f81a489aacc0","chunk_index":4,"chunk_sha256":"f9e8658e923258ab98d5baa64e88728968bd1ffd5037c048397ba4e57f4f7fb3","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9a8b7dcd848f50e9","text_sha256":"f9e8658e923258ab98d5baa64e88728968bd1ffd5037c048397ba4e57f4f7fb3","token_estimate":430,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Technology_Integration_Resources___Fannie_Mae.md"]},"text":"##### Integration Test Cases\n\n- [DU Specification Test Case Suite](/media/document/zip/du-specification-test-case-suite)\n - [Test Credit Report Procedures](/media/document/pdf/test-credit-report-procedures)\n - [Test Credit Report Characteristics](/media/document/pdf/test-credit-report-characteristics)\n\n##### Desktop Underwriter Technology Service Provider List\n\n- [Vendors Approved to Support Redesigned Form 1003/DU Spec](/integrated-vendor-list)\n\nDeveloper Portal\n\n##### Release Notes\n\n- [Developer Portal Releases](https://developer.fanniemae.com/#/get-started/release-notes)\n\nDU Validation Service\n\n##### Integration Impact Memos\n\n- [DU/DO Integration Impact Memo | Mar. 22, 2025](https://singlefamily.fanniemae.com/media/document/pdf/dudo-integration-impact-memo-mar-22-2025)\n- [DU Validation Service Integration Impact Memo | February 2025](/media/document/pdf/du-validation-service-integration-impact-memo-february-2025)\n- [DU Validation Service Integration Impact Memo | August 2024](/media/document/pdf/du-validation-service-integration-impact-memo-august-2024)\n- [DU Validation Service Integration Impact Memo | March 2024](/media/document/pdf/du-validation-service-integration-impact-memo-march-2024)\n- [DU Validation Service Integration Impact Memo | February 2023](https://singlefamily.fanniemae.com/media/document/pdf/du-validation-service-integration-impact-memo-february-2023)\n- [DU Validation Service Integration Impact Memo | April 2021](/media/document/pdf/du-validation-service-integration-impact-memo-april-2021)\n- [DU Validation Service Integration Impact Memo | November 2020](/media/document/pdf/du-validation-service-integration-impact-memo-november-2020)\n"} diff --git a/chunks/json/f9ecb4f4b35f5cc8a15e3962421e89a975119c51b4c92705d4cfc9ee6c88b678.json b/chunks/json/f9ecb4f4b35f5cc8a15e3962421e89a975119c51b4c92705d4cfc9ee6c88b678.json new file mode 100644 index 0000000000000000000000000000000000000000..1e7ad3816dc3403e167f5ca699a1d09b2e5247d1 --- /dev/null +++ b/chunks/json/f9ecb4f4b35f5cc8a15e3962421e89a975119c51b4c92705d4cfc9ee6c88b678.json @@ -0,0 +1 @@ +{"chunk":{"char_end":879493,"char_start":877702,"chunk_id":"chk_572d604cd5d50127","chunk_index":522,"chunk_sha256":"f9ecb4f4b35f5cc8a15e3962421e89a975119c51b4c92705d4cfc9ee6c88b678","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"f9ecb4f4b35f5cc8a15e3962421e89a975119c51b4c92705d4cfc9ee6c88b678","token_estimate":448,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"19\n\nEnumerated\n\nAllowable Values PDF Display\nWaterView Wtr\nPastoralView Pstrl\nWoodsView Woods\nParkView Prk\nGolfCourseView Glfvw\nCityViewSkylineView CtySky\nMountainView Mtn\nResidentialView Res\nCityStreetView CtyStr\nIndustrialView Ind\nPowerLines PwrLn\nLimitedSight LtdSght\nOther *\n\n*See field e-7 directly below.\n\n347\n\n348\n\n349\n\n350\n\n351\n\n3\n\n3\n\n3\n\n3\n\n3\n\ne-7\n\n29\n\n30\n\ne-17\n\n31\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(View Type Other Description)\n\nGSE View Type\nOther Description\n\nThe type of view associated with the\nproperty if other is selected.\n\nSALES\nCOMPARISON\nAPPROACH\n\nDesign (Style)\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nSALES\nCOMPARISON\nAPPROACH\n\nQuality of Construction\n\nGSE Quality Of\nConstruction Rating\nType\n\nThe overall rating of the property's quality\nof construction.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V\nIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSION_\nSECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA\n/COMPARISON_VIEW_DETAIL[@GSEViewType='Other']/@GSEViewTypeOt\nherDescription\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD\nJUSTMENT[@_Type='DesignStyle']/@_Description\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D\nETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEQualityOfConstructionRatingType\n"} diff --git a/chunks/json/f9f4f988f1fcfdf1e8d6ccde32d6e0a735364dd0ba4851f02388d8a6ea30fa11.json b/chunks/json/f9f4f988f1fcfdf1e8d6ccde32d6e0a735364dd0ba4851f02388d8a6ea30fa11.json new file mode 100644 index 0000000000000000000000000000000000000000..95f1aca817c662c58cc002cad8416e5cfc3dd350 --- /dev/null +++ b/chunks/json/f9f4f988f1fcfdf1e8d6ccde32d6e0a735364dd0ba4851f02388d8a6ea30fa11.json @@ -0,0 +1 @@ +{"chunk":{"char_end":225563,"char_start":223835,"chunk_id":"chk_87df6d02abdd1b33","chunk_index":127,"chunk_sha256":"f9f4f988f1fcfdf1e8d6ccde32d6e0a735364dd0ba4851f02388d8a6ea30fa11","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"f9f4f988f1fcfdf1e8d6ccde32d6e0a735364dd0ba4851f02388d8a6ea30fa11","token_estimate":430,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"8.108\n\nFeeActualPaymentAmount\n\n8.107\n\nFeePaymentPaidByType\n\n8.070\n\nFeePaymentPaidOutsideOfClosingIndicato\nr\n\n500.00\n\nBuyer\n\nfalse\n\nN O T E : The data point FeePercentBasisType has been removed from UCD v2.0. FeeActualTotalAmount is no longer used\nfor ucd:FeeItemType = “EscrowWaiverFee”. The regular line item pattern is now used for this enumeration.\n\nFigure 69. XML Snippet-Representative ucd:FeeItemType Line Item Data.\n\n\n…\n\n \n \n\n\n\n\n\n\n\n\n \n Lender\n 1.0000\n OriginationCharges\n true\n \n \n\n\n\nLoanDiscountPoints\n\n\n\n\n \n\nUCD v2.0 Implementation Guide\n\n- 97 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 69. XML Snippet-Representative ucd:FeeItemType Line Item Data.\n\n\n \n \n\n2110.00\n Buyer\n false\n\n\n \n\n\n\n\n\n \n ThirdPartyProvider\n OriginationCharges\n false\n \n \n"} diff --git a/chunks/json/f9f5b1d7c9050a81125316934ac049e2e4da4d180a3d26aebf8c7f2c554763ea.json b/chunks/json/f9f5b1d7c9050a81125316934ac049e2e4da4d180a3d26aebf8c7f2c554763ea.json new file mode 100644 index 0000000000000000000000000000000000000000..82d022bc15a787bb2f4208dcfda4bdd3364e5561 --- /dev/null +++ b/chunks/json/f9f5b1d7c9050a81125316934ac049e2e4da4d180a3d26aebf8c7f2c554763ea.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13027,"char_start":12063,"chunk_id":"chk_f5e7bcd3c07128eb","chunk_index":9,"chunk_sha256":"f9f5b1d7c9050a81125316934ac049e2e4da4d180a3d26aebf8c7f2c554763ea","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2d4aaec60fd63c08","text_sha256":"f9f5b1d7c9050a81125316934ac049e2e4da4d180a3d26aebf8c7f2c554763ea","token_estimate":241,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance.pdf"]},"text":"Page 8\n\nData Entry Aid\n\n11. Integrate to trend data sources and supporting information as a data entry aid.\n\nPurpose: Ease data entry; confirm information is entered accurately.\n\n• Allow user to select information (data, charts) and add to report.\n• Allow user to modify as needed.\n\n12. Provide a custom solution and/or integrate with sketch software and calculate the area in the Sketch\n\nsection. Calculations should be allowed to be overwritten.\nPurpose: Ease data entry; confirm information is entered accurately.\n\nCalculations from Sketch section\n\n• Populate Unit Interior - Area Breakdown\n\no Area Breakdown\n\n▪ Finished Above Grade\n▪ Finished Above Grade (Nonstandard)\n▪ Unfinished Above Grade\n▪ Finished Below Grade\n▪ Finished Below Grade (Nonstandard)\n▪ Unfinished Below Grade\n\n• Populate Dwelling Exterior - Noncontinuous Finished Area\n\no Total Area\n\nAppendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance v1.0\n\nPage 9\n"} diff --git a/chunks/json/fa0e1c18b769b8790151ef9a77bc9920a51d1d1887288db5054196716fc2249e.json b/chunks/json/fa0e1c18b769b8790151ef9a77bc9920a51d1d1887288db5054196716fc2249e.json new file mode 100644 index 0000000000000000000000000000000000000000..05ed1e86096b60e436ec17bc535feffdebb7a491 --- /dev/null +++ b/chunks/json/fa0e1c18b769b8790151ef9a77bc9920a51d1d1887288db5054196716fc2249e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5184,"char_start":3509,"chunk_id":"chk_9dec0d63b5361eac","chunk_index":2,"chunk_sha256":"fa0e1c18b769b8790151ef9a77bc9920a51d1d1887288db5054196716fc2249e","date_utc":"2026-01-27T18:29:44+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_34e15208986a1b11","text_sha256":"fa0e1c18b769b8790151ef9a77bc9920a51d1d1887288db5054196716fc2249e","token_estimate":418,"warnings":["source_path=Appendix-D-3 Completion Report Sample Scenarios and XML Files/Appendix D-3 CR1_CompletionReport/_.pdf/CR1_CompletionReport_v1.2.pdf"]},"text":"Appraiser Reference ID LN32942301 Client Reference ID 456-8124 Completion Version #1Fannie Mae | Freddie Mac September 2024\n\nCompletion Report\n\nCompletion Report Exhibits\n\nPage 2 of 3\n\nItemized List of Repairs - Mechanical System - Water Heater\n\nNew Observed Items for Repair - Flooring - Basement Carpeting\n\nThis is where the Water Heater photo would display.\n\nThis is where the Carpet photo would display.\n\nMary Jones\nMichael Jones\n\nAppraiser Fee\n\n$0\n\nAssignment Information\n\nBorrower Name\n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nCompany Name\nCompany Address\n\nABC Mortgage Company\n456 Somewhere Ave\nSometown, NV 55555\n\nAmy Appraiser\nXYZ Appraisal Company\n22 A Street NE\nWashington DC 10001\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n08/21/2009\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nLicensed Residential\n3333333333\nMD\n10/21/2010\n\nAppraiser Reference ID LN32942301 Client Reference ID 456-8124 Completion Version #1Fannie Mae | Freddie Mac September 2024\n\nCompletion Report\n\nIntended Use\n\nPage 3 of 3\n\nThe intended use of this certification of completion is for the lender/client to confirm that the requirements or conditions stated in the\nappraisal report referenced above have been met.\n\nIntended User\n\nThe intended user of this report is the lender/client.\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\n\n1. I have no present or prospective interest in the subject property, or relationship with the present or prospective owners or occupants of the\nsubject property, or other parties involved in this transaction.\n"} diff --git a/chunks/json/fa0edd77d685e12875aa2de6f433ab16483e96204dafdd3cb577f18fbc2cd8fe.json b/chunks/json/fa0edd77d685e12875aa2de6f433ab16483e96204dafdd3cb577f18fbc2cd8fe.json new file mode 100644 index 0000000000000000000000000000000000000000..663d555453782abf45f46b74eac46b73cd06c7be --- /dev/null +++ b/chunks/json/fa0edd77d685e12875aa2de6f433ab16483e96204dafdd3cb577f18fbc2cd8fe.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1727,"char_start":0,"chunk_id":"chk_384e5275cc848675","chunk_index":0,"chunk_sha256":"fa0edd77d685e12875aa2de6f433ab16483e96204dafdd3cb577f18fbc2cd8fe","date_utc":"2026-01-27T17:54:29+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_141a63d12a3fdba3","text_sha256":"fa0edd77d685e12875aa2de6f433ab16483e96204dafdd3cb577f18fbc2cd8fe","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Underserved_Areas_Data___FHFA_tw7bbb.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/underserved-areas\"\ndate_accessed: \"2026-01-27T17:54:20.584Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/fa10b2f48712ddf5ee96321738643318f54352aa0cc9b02a7285cc87f0563471.json b/chunks/json/fa10b2f48712ddf5ee96321738643318f54352aa0cc9b02a7285cc87f0563471.json new file mode 100644 index 0000000000000000000000000000000000000000..bc72424a3fe815b92b87490699021f0ef074dc16 --- /dev/null +++ b/chunks/json/fa10b2f48712ddf5ee96321738643318f54352aa0cc9b02a7285cc87f0563471.json @@ -0,0 +1 @@ +{"chunk":{"char_end":50693,"char_start":48872,"chunk_id":"chk_78c1b6eaf069fa6b","chunk_index":28,"chunk_sha256":"fa10b2f48712ddf5ee96321738643318f54352aa0cc9b02a7285cc87f0563471","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"fa10b2f48712ddf5ee96321738643318f54352aa0cc9b02a7285cc87f0563471","token_estimate":456,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"08 Assignment Information\n\nReport\nField ID\n\n08.019\n08.034\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\nSubject Property\nInspection\nInspection Date\n\nAlways required for\nthe appraiser and\nsupervisory appraiser\nfor any physical or\nvirtual inspection that\nwas performed\n\nmm/dd/yyyy\n\nDate that the subject property inspection was completed.\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: Contact Information - Appraiser and / or Supervisory Appraiser Credentials\n\nReport\nField ID\n\n08.020\n08.035\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\ndo not provide credentials to appraiser trainees)\nCertified General\nCertified Residential\nLicensed Residential\nTrainee Appraiser (appraiser trainees with an issued credential, also\nreferred to as Registered Trainee)\nOther (Describe)\n\n•\n•\n•\n•\n\n•\n\nID\n\n08.021\n08.036\n\nRequired if Credential\nType is not None\n\nFree-form\n\nThe credential as reported by the ASC. Commonly referred to as “credential\nnumber,” “license number,” or “certification number.”\nNote: Do not include state in the ID field unless it is part of the credential\nnumber as reported on the ASC National Registry.\n"} diff --git a/chunks/json/fa203bf24bfe683aadbf7a8b9d11d79eab4b4b3a4e665da4adb51bfb39e6d193.json b/chunks/json/fa203bf24bfe683aadbf7a8b9d11d79eab4b4b3a4e665da4adb51bfb39e6d193.json new file mode 100644 index 0000000000000000000000000000000000000000..16c46884e1d4e1559febf0a846dac655ab8c9750 --- /dev/null +++ b/chunks/json/fa203bf24bfe683aadbf7a8b9d11d79eab4b4b3a4e665da4adb51bfb39e6d193.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1728,"char_start":0,"chunk_id":"chk_286bfb55973eb9b1","chunk_index":0,"chunk_sha256":"fa203bf24bfe683aadbf7a8b9d11d79eab4b4b3a4e665da4adb51bfb39e6d193","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d0defc84ceb13d55","text_sha256":"fa203bf24bfe683aadbf7a8b9d11d79eab4b4b3a4e665da4adb51bfb39e6d193","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Engagements___FHFA_fwmvlq.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/news/public-engagements\"\ndate_accessed: \"2026-01-27T17:47:50.518Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/fa21e7af0876fa2281768322049cfb82c0090d7ebb247eecaf299343b6d76045.json b/chunks/json/fa21e7af0876fa2281768322049cfb82c0090d7ebb247eecaf299343b6d76045.json new file mode 100644 index 0000000000000000000000000000000000000000..204b0e98c9c5472b17c09fee1d66cfb478c94ebe --- /dev/null +++ b/chunks/json/fa21e7af0876fa2281768322049cfb82c0090d7ebb247eecaf299343b6d76045.json @@ -0,0 +1 @@ +{"chunk":{"char_end":817361,"char_start":815650,"chunk_id":"chk_9e0c72089f90e464","chunk_index":485,"chunk_sha256":"fa21e7af0876fa2281768322049cfb82c0090d7ebb247eecaf299343b6d76045","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"fa21e7af0876fa2281768322049cfb82c0090d7ebb247eecaf299343b6d76045","token_estimate":428,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U\nNIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type=\n'Water' and @_IncludedInAssessmentIndicator='Y']\n\n10\n\n10\n\n10\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\nMoney\n\nMoney\n\nMoney\n\nBoolean\n\nBoolean\n\nBoolean\n\nBoolean\n\nBoolean\n\nBoolean\n\nOne and only one of fields 2-23, 2-24, 2-25\n(values of Project Analysis Competitive\nProject Comparison Type) should be\nindicated.\n\nOne and only one of fields 2-23, 2-24, 2-25\n(values of Project Analysis Competitive\nProject Comparison Type) should be\nindicated.\n\nIf field 2-23 (Project Analysis Competitive\nProject Comparison Type = 'High') or field 2-\n25 (Project Analysis Competitive Project\nComparison Type = 'Low') is indicated this\nfield should be populated.\n\nOne and only one of fields 2-27, 2-28\n(values of Project Analysis Special\nCharacteristics Indicator) should be\nindicated.\n\nOne and only one of fields 2-27, 2-28\n(values of Project Analysis Special\nCharacteristics Indicator) should be\nindicated.\n\nIf field 2-27 (Project Analysis Special\nCharacteristics Indicator = 'Y') is indicated\nthis field should be populated.\n\nEither field 2-33 (Unit Charge No Utilities\nIncluded In Assessment Indicator = 'Y') or at\nleast one of fields 2-34, 2-35, 2-36, 2-37, 2-\n38, 2-39, 2-40, 2-41 should be indicated.\n\nEither field 2-33 or, at least one of fields 2-\n34, 2-35, 2-36, 2-37, 2-38, 2-39, 2-40, 2-41\n(Unit Charge Utility Included In Assessment\nIndicator = 'Y' and values of Unit Charge\nUtility Type) should be indicated.\n\nEither field 2-33 or, at least one of fields 2-\n34, 2-35, 2-36, 2-37, 2-38, 2-39, 2-40, 2-41\n(Unit Charge Utility Included In Assessment\nIndicator = 'Y' and values of Unit Charge\nUtility Type) should be indicated.\n"} diff --git a/chunks/json/fa2422cf3b95a702ad2a247420e85f423b721a8cddfc871304efb212181b693d.json b/chunks/json/fa2422cf3b95a702ad2a247420e85f423b721a8cddfc871304efb212181b693d.json new file mode 100644 index 0000000000000000000000000000000000000000..b241f7e4ad15775f25ba5771a4309b373ef16abf --- /dev/null +++ b/chunks/json/fa2422cf3b95a702ad2a247420e85f423b721a8cddfc871304efb212181b693d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":70688,"char_start":69014,"chunk_id":"chk_91d2be5914652c03","chunk_index":37,"chunk_sha256":"fa2422cf3b95a702ad2a247420e85f423b721a8cddfc871304efb212181b693d","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"fa2422cf3b95a702ad2a247420e85f423b721a8cddfc871304efb212181b693d","token_estimate":419,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"Whereas, section 1323(a)(1) of the\nFederal Housing Enterprises Financial\nSafety and Soundness Act of 1992\n(Safety and Soundness Act), as\namended, 12 U.S.C. 4543(a)(1), requires\nthe Director of the Federal Housing\nFinance Agency (FHFA) to make\navailable to the public the non-\nproprietary single-family and\nmultifamily loan-level mortgage data\nelements submitted to FHFA by the\nFederal National Mortgage Association\n(Fannie Mae) and the Federal Home\nLoan Mortgage Corporation (Freddie\nMac) (collectively, the Enterprises) in\ntheir mortgage reports;\n\nWhereas, the responsibility to\n\nmaintain a public use database (PUDB)\nfor such mortgage data was transferred\nto FHFA from the U.S. Department of\nHousing and Urban Development (HUD)\npursuant to sections 1122, 1126 and\n1127 of the Housing and Economic\nRecovery Act of 2008 (HERA), Public.\nLaw 110–289 (July 30, 2008), see 12\nU.S.C. 4543(a)(2);\n\nWhereas, the mortgage data submitted\n\nby Fannie Mae and Freddie Mac are\ncontained in their reports required\nunder section 309(m) of the Federal\nNational Mortgage Association Charter\nAct, as amended, 12 U.S.C. 1723a(m),\nand section 307(e) of the Federal Home\nLoan Mortgage Corporation Act, as\namended, 12 U.S.C. 1456(e),\nrespectively (hereafter, Charter Acts),\nand include mortgage data\ncharacteristics of single-family and\nmultifamily mortgagors and data on the\nEnterprises’ single-family and\nmultifamily mortgage purchases;\nWhereas, section 1126 of HERA\n\namended section 1323 of the Safety and\nSoundness Act by requiring that such\ndata submitted by the Enterprises in\ntheir mortgage reports shall include the\ndata elements required to be reported\nunder the Home Mortgage Disclosure\n"} diff --git a/chunks/json/fa32bb01a6be903a26a0f99d75839ff457e55aa73c877b8ed89f1f34a4e0e69c.json b/chunks/json/fa32bb01a6be903a26a0f99d75839ff457e55aa73c877b8ed89f1f34a4e0e69c.json new file mode 100644 index 0000000000000000000000000000000000000000..a5be287137fbfd014a35401c74be09781e53b478 --- /dev/null +++ b/chunks/json/fa32bb01a6be903a26a0f99d75839ff457e55aa73c877b8ed89f1f34a4e0e69c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":24552,"char_start":22346,"chunk_id":"chk_77b45d6ac0b82410","chunk_index":14,"chunk_sha256":"fa32bb01a6be903a26a0f99d75839ff457e55aa73c877b8ed89f1f34a4e0e69c","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5d9c7b086b7218c1","text_sha256":"fa32bb01a6be903a26a0f99d75839ff457e55aa73c877b8ed89f1f34a4e0e69c","token_estimate":552,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Desktop_70D.pdf"]},"text":"6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to\nthe date of sale of the comparable sale, unless otherwise indicated in this report.\n\n7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property.\n\n8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home\nthat has been built or will be built on the land.\n\n9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject\nproperty and the comparable sales.\n\nI verified, from a disinterested source, all information in this report that was provided by parties who have a financial\n\n10.\ninterest in the sale or financing of the subject property.\n\n11.\n\nI have knowledge and experience in appraising this type of property in this market area.\n\nI am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing\n\n12.\nservices, tax assessment records, public land records and other such data sources for the area in which the property is located.\n\nI obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from\n\n13.\nreliable sources that I believe to be true and correct.\n\nI have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject\n\n14.\nproperty, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I\nhave noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the\npresence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the\nsubject property or that I became aware of during the research involved in performing this appraisal. I have considered these\nadverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and\nmarketability of the subject property.\n"} diff --git a/chunks/json/fa33b9d99085a4b357834ba0452e999341f0503782a9b480f19300e375e6a214.json b/chunks/json/fa33b9d99085a4b357834ba0452e999341f0503782a9b480f19300e375e6a214.json new file mode 100644 index 0000000000000000000000000000000000000000..6be41d6fc74f11e1f52247acdc9ea50751f4bf68 --- /dev/null +++ b/chunks/json/fa33b9d99085a4b357834ba0452e999341f0503782a9b480f19300e375e6a214.json @@ -0,0 +1 @@ +{"chunk":{"char_end":252820,"char_start":251369,"chunk_id":"chk_7edd10fa90f2ad62","chunk_index":147,"chunk_sha256":"fa33b9d99085a4b357834ba0452e999341f0503782a9b480f19300e375e6a214","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"fa33b9d99085a4b357834ba0452e999341f0503782a9b480f19300e375e6a214","token_estimate":487,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"UAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\n20\n\nString\n\nUAD Instruction - Refer to Appendix D Sales Comparison Approach\nSection\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n2\n\nEnumerated\n\nAllowable Values\nQ1\nQ2\nQ3\nQ4\nQ5\nQ6\n\nThis field is required if the value of field e-6\n(GSE View Type) is 'Other'.\n\nCR\n\nCR\n\nCR\n\nThe sum of this field 2-65 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-67, 2-69, 2-71,\n2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-\n88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n\nThe sum of this field 2-67 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-69, 2-71,\n2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-\n88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nR\n\nR\n\nR\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n10\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 2-69 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-71,\n2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-\n88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must\nadd up to Net Adjustment field 2-103.\n"} diff --git a/chunks/json/fa39de4422640aba23815746c0028da35a7ca27c00ea1c20def6cec147dcfa76.json b/chunks/json/fa39de4422640aba23815746c0028da35a7ca27c00ea1c20def6cec147dcfa76.json new file mode 100644 index 0000000000000000000000000000000000000000..9751dd2d50e0af6604d8c3518843c796a4b30f3a --- /dev/null +++ b/chunks/json/fa39de4422640aba23815746c0028da35a7ca27c00ea1c20def6cec147dcfa76.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9657,"char_start":8056,"chunk_id":"chk_49688b89bdbccc2b","chunk_index":5,"chunk_sha256":"fa39de4422640aba23815746c0028da35a7ca27c00ea1c20def6cec147dcfa76","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d9cc5b9cb097cb8d","text_sha256":"fa39de4422640aba23815746c0028da35a7ca27c00ea1c20def6cec147dcfa76","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.xml/Condo1_Appraisal_v1.3.xml"]},"text":"AssociationDues\n\nAssociationSpecialAssessment\n\nProposed\n\ntrue\n\nDwelling\n\n1987\n\nfalse\n\nQuality carpeting\n\nFlooring\n\nSignificantlyUpdated\n\n1075\n\n0\n\nfalse\n\n2\n\ntrue\n\n3\n\n2\n\n0\n\nC3\n\nQ4\n\nDecorative tiling and finishes\n\nFullyUpdated\n\nQuality components\n\nKitchen\n\nFullyUpdated\n\nMidrise\n\n1\n\nCentralized\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\Condo1_Comp3.jpg\n\nimage/jpeg\n\n21\n\n768000\n\nSettledSale\n\n25.165170\n\n-51.328128\n\nCentury Village\n\nIngroundPool\n\nCondominium\n\nThe Arena\n\nBalcony\n\nOutdoorLiving\n\n1\n\nIndoorFireplace\n\nWholeHome\n\n0\n\nAttached\n\n1\n\nfalse\n\n1\n\nC3\n\nQ4\n\ntrue\n\ntrue\n\nFeeSimple\n\ntrue\n\nfalse\n\ntrue\n\ntrue\n\n2019-06-15\n\n5000\n\n2019-07-15\n\n765000\n\nSale\n\n2018-09-15\n\n725000\n\nSale\n\nTypicallyMotivated\n\n2018-12-31\n\n750000\n\nSale\n\nTypicallyMotivated\n\nNone\n\ntrue\n\nFull\n\nResidential\n\n33 Franks Way\n\nUnit\n\n382\n\nNowhere\n\n90021\n\nCA\n\nParkingGarage\n\n1\n\nOwned\n\n-40000\n\nProjectInformation\n\n0\n\nNeighborhoodName\n\n-10000\n\nView\n\n0\n\nLivingUnitFloorNumber\n\n10000\n\nLivingUnitBathroomCount\n\n40000\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n5000\n\nWholeHomeAmenity\n\n15000\n\nVehicleStorage\n\n789000\n\nNorthWest\n\nLess\n\n803\n\n4\n\n0.51\n\n20000\n\nfalse\n\n828\n\nMonthly\n\nAssociationDues\n\nAssociationSpecialAssessment\n\nNone\n\ntrue\n\nDwelling\n\n1973\n\nfalse\n\nQuality carpeting\n\nFlooring\n\nSignificantlyUpdated\n\n958\n\n0\n\nfalse\n\n2\n\nfalse\n\n3\n\n1\n\n0\n\nC3\n\nQ4\n\nDecorative tiling and finishes\n\nFullyUpdated\n\nQuality components\n\nKitchen\n\nFullyUpdated\n\nMidrise\n\n1\n\nCentralized\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\Condo1_Comp4.jpg\n\nimage/jpeg\n\n2\n\n769000\n\nActive\n\n25.165169\n\n-51.328129\n\nEagle Hills\n\nUnitStorage\n\nIngroundSpa\n\nIngroundPool\n\nFitnessArea\n\nCondominium\n"} diff --git a/chunks/json/fa3b6e71bb08993c524732172bccf84c49361efbfcccaf2d7e2da0e7d9d09601.json b/chunks/json/fa3b6e71bb08993c524732172bccf84c49361efbfcccaf2d7e2da0e7d9d09601.json new file mode 100644 index 0000000000000000000000000000000000000000..e6529896f5ef07e8de53503efe844cbcf88a59d4 --- /dev/null +++ b/chunks/json/fa3b6e71bb08993c524732172bccf84c49361efbfcccaf2d7e2da0e7d9d09601.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8843,"char_start":7040,"chunk_id":"chk_35716e2dbd3c92e2","chunk_index":4,"chunk_sha256":"fa3b6e71bb08993c524732172bccf84c49361efbfcccaf2d7e2da0e7d9d09601","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e1ff914957902b96","text_sha256":"fa3b6e71bb08993c524732172bccf84c49361efbfcccaf2d7e2da0e7d9d09601","token_estimate":451,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/cu-v-54-release-notes-april-19-2022.pdf"]},"text":"CU has identified market reaction to Location\nthat may differ from the adjustment rate used\nby the appraiser. Ensure that the appraiser has\nmade adjustments accurately reflecting\nmarket reaction to this attribute. See the CU\nAdjustments tab for details.\n\nCU has identified market reaction to\n'Garage/Carport' that may differ from the\nadjustment rate used by the appraiser. Ensure\nthat the appraiser has made adjustments\naccurately reflecting market reaction to this\nattribute. See the CU Adjustments tab for\ndetails.\n\nCU has identified market reaction to 'Sales\nConcessions' that may differ from the\nadjustment rate used by the appraiser. Ensure\nthat the appraiser has made adjustments\naccurately reflecting market reaction to this\nattribute. See the CU Adjustments tab for\ndetails.\n\nCU has identified market reaction to 'Site' that\nmay differ from the adjustment rate used by\nthe appraiser. Ensure that the appraiser has\nmade adjustments accurately reflecting\nmarket reaction to this attribute. See the CU\nAdjustments tab for details.\n\n© 2022 Fannie Mae April 20, 2022 Page 3 of 4\n\nOvervaluation Risk Message Text\n\nOvervaluation\nRisk Message\nID\n\nNew\nUndervaluation\nRisk Message\nID\n\nNew Undervaluation Risk Message Text\n\nreaction to this attribute. See the\nCU Adjustments tab for details.\n\nCU has identified market reaction\nto 'Date of Sale' that may differ\nfrom the adjustment rate used by\nthe appraiser. Ensure that the\nappraiser has made adjustments\naccurately reflecting market\nreaction to this attribute. See the\nCU Adjustments tab for details.\n\nCU has identified market reaction\nto 'View' that may differ from the\nadjustment rate used by the\nappraiser. Ensure that the\nappraiser has made adjustments\naccurately reflecting market\nreaction to this attribute. See the\nCU Adjustments tab for details.\n"} diff --git a/chunks/json/fa5de6c2c97cc973333fad752d33d41067078988aae50721df2bd59daddf98a1.json b/chunks/json/fa5de6c2c97cc973333fad752d33d41067078988aae50721df2bd59daddf98a1.json new file mode 100644 index 0000000000000000000000000000000000000000..d7c2df5950c3d62a54975efbed895a84b90eec4d --- /dev/null +++ b/chunks/json/fa5de6c2c97cc973333fad752d33d41067078988aae50721df2bd59daddf98a1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":435792,"char_start":434188,"chunk_id":"chk_0485ed9d056cb653","chunk_index":337,"chunk_sha256":"fa5de6c2c97cc973333fad752d33d41067078988aae50721df2bd59daddf98a1","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"fa5de6c2c97cc973333fad752d33d41067078988aae50721df2bd59daddf98a1","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"@xlink:label\n\nIMPROVEMENT_COST_AND_DEPRECIATED_VALUE_n\n\nPage 341\n\nThe cost and depreciated value of an improvement must be linked to the relevant improvement. The XML below illustrates 3 instances of this\nrelationship.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 342\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 343\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nLand Comparables to Data Source\n\nReport Section: Cost Approach\nArcrole Explanation\n\nUnique ID\n\nParent Container\n\nMISMO Attribute\nName\n\nSupported Attribute Enumerations\n\nDATA_SOURCE to PROPERTY – When the data\nsource is associated with a land comparable,\nprovide the relationship that joins to the\napplicable instance of PROPERTY where the\nValuationUseType = “LandComparable”.\n\n1100.0075\n\nRELATIONSHIP\n\n@xlink:arcrole\n\nurn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSo\nurceFor_PROPERTY\n\n1100.0076\n\nRELATIONSHIP\n\n@xlink:from\n\nDATA_SOURCE_n\n\n1100.0077\n\nRELATIONSHIP\n\n@xlink:to\n\nPROPERTY_n\n\n1100.0055\n\nPROPERTY\n\n@xlink:label\n\nPROPERTY_n\n\n0700.0124\n\nDATA_SOURCE\n\n@xlink:label\n\nDATA_SOURCE_n\n\nPage 344\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 345\n\nReplacement or Reproduction Cost Data Source to cost approach\n\nReport Section: Cost Approach\nArcrole Explanation\n\nUnique ID\n\nParent Container\n\nMISMO\nAttribute Name\n\nSupported Attribute\nEnumerations\n\nDATA_SOURCE to COST_APPROACH - Replacement or Reproduction\nCost Data Source. When the data source is associated with a subject\nproperty, provide the relationship that joins to the applicable instance of\nCOST_APPROACH where the ValuationUseType = \"SubjectProperty\".\n"} diff --git a/chunks/json/fa687957fda8bf09e72b7e1b722bdb4e93bb845b4968e47a308d79b18aedca7f.json b/chunks/json/fa687957fda8bf09e72b7e1b722bdb4e93bb845b4968e47a308d79b18aedca7f.json new file mode 100644 index 0000000000000000000000000000000000000000..f515648e2331e15b27ab3fb0870b7ba723d02465 --- /dev/null +++ b/chunks/json/fa687957fda8bf09e72b7e1b722bdb4e93bb845b4968e47a308d79b18aedca7f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19812,"char_start":18194,"chunk_id":"chk_11656bcc7d19595b","chunk_index":11,"chunk_sha256":"fa687957fda8bf09e72b7e1b722bdb4e93bb845b4968e47a308d79b18aedca7f","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"fa687957fda8bf09e72b7e1b722bdb4e93bb845b4968e47a308d79b18aedca7f","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf"]},"text":"Numeric\n\n$5,000 to\n$1,705,000\n\nAppraisal Form\nSection\n\nNotes\n\nAppraiser\n\nDisclosure\nAvoidance\nMethod\ndisclosed as\n$115,000\nbecause it is the\nmidpoint\nbetween\n$110,000 and\n$120,000.\n\nTop coded to\n$1.7 million for\nhigh-cost areas\nand $720,000 for\nnon-high-cost\nareas; using\nintervals of\n$10,000,\ndisclosed the\nmidpoint value\nfor the interval\ninto which the\nreported value\nfalls. For\nexample, for a\nreported value of\n$117,835,\ndisclosed as\n$115,000\nbecause it is the\nmidpoint\nbetween\n\nFederal Housing Finance Agency\n\n15\n\nField Name\n\nShort Description\n\nDefinition\n\nFormat\n\nAllowable\nValues\n\nUAD PUF Version 2.1 Data Dictionary\n\nappraisal_to_contract\n\nPercentage of Appraised\nValue to Contract Price\n\ncomparison_to_contract Percentage of Sales\n\nComparison Appraised\nValue to Contract Price\n\nNumeric\n\n50.0% to 150.0%\n\nNumeric\n\n50.0% to 150.0%\n\nThe ratio, as a percentage, of\nthe subject property’s\nappraised value and the\ncontract price.\n\nThe ratio, as a percentage, of\nthe subject property’s Sales\nComparison Approach\nindicated value and the\ncontract price.\n\nAppraisal Form\nSection\n\nNotes\n\nDerived Field\n\nDerived Field\n\nDisclosure\nAvoidance\nMethod\n$110,000 and\n$120,000.\n\nTop coded at\n150%; bottom\ncoded at 50%;\nrounded to\nnearest 0.1%.\n\nTop coded to\n150%; bottom\ncoded to 50%;\nrounded to\nnearest 0.1%.\n\ndts_rural\n(Not Available for FHA\nUAD PUF)\n\nDuty to Serve Rural\nLocation Indicator\n\nSubject property is located in a\nrural location according to\nFHFA’s Duty to Serve program\ndefinition.\n\nCharacter\n\n‘1’ = DTS Rural\n‘2’ = Not DTS\nRural\n‘9’ = Missing\n\nDTS rural indictor\nis suppressed if\nthe census tract\nID is suppressed.\n"} diff --git a/chunks/json/fa68d1bfc1eac79441d71314ff8eea528f1bf45db1f3a2fcd79dd16ebb850499.json b/chunks/json/fa68d1bfc1eac79441d71314ff8eea528f1bf45db1f3a2fcd79dd16ebb850499.json new file mode 100644 index 0000000000000000000000000000000000000000..29d652aa1937134563c0b637396d4ec286ae419b --- /dev/null +++ b/chunks/json/fa68d1bfc1eac79441d71314ff8eea528f1bf45db1f3a2fcd79dd16ebb850499.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27169,"char_start":25363,"chunk_id":"chk_90e5fc09279e5d36","chunk_index":18,"chunk_sha256":"fa68d1bfc1eac79441d71314ff8eea528f1bf45db1f3a2fcd79dd16ebb850499","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"fa68d1bfc1eac79441d71314ff8eea528f1bf45db1f3a2fcd79dd16ebb850499","token_estimate":451,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"EMPLOYER_1\n\n2\n\nCURRENT_INCO ME_IT\nEM_IsAssociatedWith_E\nMPLO YER\nCURRENT_INCOME_I\nTEM_2\n\nEMPLOYER_1\n\nwhere\nIncome Type =\n“Base”\n\nwhere\nIncome Type =\n“Overtime”\n\nTable 2. Relationships Container – Component Details\n\nThe figure below (Figure 2) shows basic examples of how the xlink arcrole relationships linking a\nborrower’s income items to an employer would look in the RELATIONSHIPS container. Note that both the\nincome and employment structures are contained under the borrower structure, thus the relationship to the\nborrower is handled by containment and no further xlink arcrole relationship is needed to relation the\nincome and employment to an individual borrower.\n\nRELATIONSHIPS CONTAINER\nShowing the RELATIONSHIP Using The Endpoints\n\nRELATIONSHIPS\n RELATIONSHIP\n Sequence Number = “1”\n xlink:from = “CURRENT_INCOME_ITEM_1”\n xlink:to = “EMPLOYER_1”\n xlink:arcrole = “CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER”\n RELATIONSHIP\n Sequence Number = “2”\n xlink:from = “CURRENT_INCOME_ITEM_2”\n xlink:to = “EMPLOYER_1”\n xlink:arcrole = “CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER”\n\nFigure 2. Using Endpoints and an Arcrole To Define a Relationship\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 16 of 29\n\nVersion 1.1\n\n___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles\n\nRELAT IONSHIP BET WEEN A COUNSELING EVENT AND T HE ASSOCIAT ED HOUSING\nCOUNSELING AGENCY\n\nThe following example provides details about the xlink arcrole relationship needed to define a data\nrelationship between a Counseling Event and the Housing Counseling Agency that provided the\ncounseling and the borrower. While the example provided below shows a counseling event type of\n“Counseling”, the same xlink arcrole relationship would be used for an education event (Counseling\nType = “Education”).\n"} diff --git a/chunks/json/fa6c373f1149b5fba7ce4049c8ace3f33e22c1f99479ddd097d8ec813f7e9b21.json b/chunks/json/fa6c373f1149b5fba7ce4049c8ace3f33e22c1f99479ddd097d8ec813f7e9b21.json new file mode 100644 index 0000000000000000000000000000000000000000..d686e2598718b6c03ef91aeb8b8b2652683d837c --- /dev/null +++ b/chunks/json/fa6c373f1149b5fba7ce4049c8ace3f33e22c1f99479ddd097d8ec813f7e9b21.json @@ -0,0 +1 @@ +{"chunk":{"char_end":37604,"char_start":35999,"chunk_id":"chk_3757628df16386e2","chunk_index":22,"chunk_sha256":"fa6c373f1149b5fba7ce4049c8ace3f33e22c1f99479ddd097d8ec813f7e9b21","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"fa6c373f1149b5fba7ce4049c8ace3f33e22c1f99479ddd097d8ec813f7e9b21","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"This is where the Comparable 2 photo would display.\n\nComparable #3\n\nThis is where the Comparable 3 photo would display.\n\nRental Information\n\nRent Schedule\n\nSubject Property Rental Information\n\nCurrently\nRented\nYes\n\nOccupancy\nTenant\n\nMonthly\nRent\n$875\n\nMonth-to-\nMonth\nYes\n\nLease Start\n\nNo\n\nOwner\n\n$0\n\nRent\nControl\nNo\n\nNo\n\nUnit 1\n\nUnit 2\n\nRental\nConcessions\nNo\n\nUtilities/\nServices\nIncluded\nNo\n\nFurnished\nNo\n\nActual Income (Monthly)\n\nOpinion of Market Income (Monthly)\n\nRent\n\nUnit 1\n\nUnit 2\n\nSubtotal\n\nOther Real Property Rental Income\n\nNone\n\nSubtotal\n\n$875\n\n$0\n\n$875\n\n$0\n\n$0\n\nTotal\n\n$875\n\nRent\n\nUnit 1\n\nUnit 2\n\n$875\n\n$925\n\nSubtotal\n\n$1,800\n\nOther Real Property Rental Income\n\nNone\n\nSubtotal\n\n$0\n\n$0\n\nTotal\n\n$1,800\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n\nUniform Residential Appraisal Report\n\nPage 20 of 29\nPage 20 of 29\n\nRental Information (continued)\n\nComparable Rental Properties\n\nThis is where the\nSubject Property\nphoto would display.\n\nThis is where the\nRental Comparable 1\nphoto would display.\n\nThis is where the\nRental Comparable 2\nphoto would display.\n\nThis is where the\nRental Comparable 3\nphoto would display.\n\nThis is where the\nRental Comparable 4\nphoto would display.\n\nThis is where the\nRental Comparable 5\nphoto would display.\n\nSubject Property\n12345 Holiday Hwy\nSurfside, HI 12345\n\nComparable #1\n8275 Youngish St\nSurfside, HI 12345\n\nComparable #2\n1337 Stone Back Blvd\nSurfside, HI 12345\n\nComparable #3\n420 Long Ear Ave\nSurfside, HI 12345\n\nData Source:\nMLS 142332\n\nLease Start\nDate: 09/2019\n"} diff --git a/chunks/json/fa7efc8ff271e3a969a81318252702fe9ec27a446aeee833bd9018204065b7ad.json b/chunks/json/fa7efc8ff271e3a969a81318252702fe9ec27a446aeee833bd9018204065b7ad.json new file mode 100644 index 0000000000000000000000000000000000000000..0208b71cd304b13bc5c9d7a48bb7ab7d32164ceb --- /dev/null +++ b/chunks/json/fa7efc8ff271e3a969a81318252702fe9ec27a446aeee833bd9018204065b7ad.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10501,"char_start":8706,"chunk_id":"chk_6c9e476c6a7aba55","chunk_index":5,"chunk_sha256":"fa7efc8ff271e3a969a81318252702fe9ec27a446aeee833bd9018204065b7ad","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a6c2e782647dd4dd","text_sha256":"fa7efc8ff271e3a969a81318252702fe9ec27a446aeee833bd9018204065b7ad","token_estimate":449,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fannie_Mae___Freddie_Mac___FHFA_q1tdy.md"]},"text":"- ongoing monitoring;\n- targeted examinations; and\n- risk assessments.\nWe evaluate Fannie Mae's and Freddie Mac's financial condition, earnings, liquidity, and efforts taken to mitigate losses in its single-family and multifamily portfolios.\n\nWe assess their response to continued stress in the mortgage markets and its effect on their risk profile, performance, and condition.\n\nAdditionally, we evaluate their effectiveness of remediation of previously identified matters requiring attention.\n\nWe also evaluate the board’s and management’s responses to deficiencies and weaknesses identified by the Enterprise’s Internal Audit Department and external auditors.\n\nOur oversight program ensures coordination among all mission-critical supervisory functions throughout the examination process - including accounting and disclosure, capital adequacy, examination, financial analysis, and supervision infrastructure.\n\nThese interdependent assessments provide us with the basis for assigning a composite safety and soundness rating.\n\n**[OFHEO - Predecessor Agency - Special Examination Reports]**\n\n[Report of the Special Examination of Fannie Mae - May 2006](/sites/default/files/2023-03/20060517_SpecialExaminationFannieMae_N508.pdf)\n[Report of Findings to Date Special Examination of Fannie Mae - September 2004](/sites/default/files/2023-03/FNMfindingstodate17sept04_0.pdf)\n[Report of the Special Examination of Freddie Mac - December 2003](/sites/default/files/2023-03/20031220_SpecialExaminationReportFreddieMac_N508.pdf)\n\n## Reporting Framework\n\nWe use a specific framework to summarize examination results and conclusions to Fannie Mae's and Freddie Mac's board of directors and Congress. FHFA’s examination ratings system is known as [**CAMELSO**](/supervision/examiner-resources/camelso)**.**\n"} diff --git a/chunks/json/fa7ff41e35b041eae55bedfe850a195507b65520d2a3a204934c46adc92b4c94.json b/chunks/json/fa7ff41e35b041eae55bedfe850a195507b65520d2a3a204934c46adc92b4c94.json new file mode 100644 index 0000000000000000000000000000000000000000..80cd8e9b8fff887e71fb4714875d6c94f0b3d118 --- /dev/null +++ b/chunks/json/fa7ff41e35b041eae55bedfe850a195507b65520d2a3a204934c46adc92b4c94.json @@ -0,0 +1 @@ +{"chunk":{"char_end":399499,"char_start":397901,"chunk_id":"chk_fc52ed0158f048e7","chunk_index":230,"chunk_sha256":"fa7ff41e35b041eae55bedfe850a195507b65520d2a3a204934c46adc92b4c94","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"fa7ff41e35b041eae55bedfe850a195507b65520d2a3a204934c46adc92b4c94","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Comparable Transfer History\n\nPrior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)\n#\n1\n\nTransfer Terms\nTypically Motivated\n\nData Source\nMLS\n\nDate\n09/01/2018\n\nAmount\n$430,000\n\n2\n\n3\n\nNone\n\nNone\n\nMLS\n\nMLS\n\nAnalysis of Prior Sale and Transfer History of Comparable Sales Prior sale of comp 1 was a typically motivated arms-length transaction.\n\nAppraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)\n\nUniform Residential Appraisal Report\n\nPage 14 of 21\nPage 14 of 21\n\nCheck W/KATE-\n\nNEW PAGE?\n\nSales Comparison Approach\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nGeneral Information\n\nProperty Address\n\n123 Falling Tree Ct\nTreeville, VA 12345\n\n241 Rapid Creek Ln\nTreeville, VA 12345\n\n188 Fallen Oak Ct\nTreeville, VA 12345\n\n210 Cannon Ball Rd\nTreeville, VA 12345\n\nThis is where the\nSubject Property photo\nwould display.\n\nThis is where the\nComparable 1 photo\nwould display.\n\nThis is where the\nComparable 2 photo\nwould display.\n\nThis is where the\nComparable 3 photo\nwould display.\n\nAssessor Record | Exterior\nInspection | MLS 123456\n\nAssessor Record | Exterior\nInspection | MLS 33A245\n\nAssessor Record | Exterior\nInspection | MLS 678A12\n\n$489,000\n\nPending\n\n$489,000\n\n$5,000\n\n09/17/2019\n\n12\n\nDetached\n\nFee Simple\n\n0.17 Miles N\n\n$460,000\n\nSettled Sale\n\n—\n\n$460,000\n\n$0\n\n$0\n\n$0\n\n$8,500\n\n07/22/2019\n\n08/17/2019\n\n12\n\nDetached\n\nFee Simple\n\n0.06 Miles N\n\n$449,900\n\nSettled Sale\n\n—\n\n$450,000\n\n$0\n\n$0\n\n$0\n"} diff --git a/chunks/json/fa95df654dca4900089e77ac3feffbb2de6136a9dc5f42cf0d5be408d0956946.json b/chunks/json/fa95df654dca4900089e77ac3feffbb2de6136a9dc5f42cf0d5be408d0956946.json new file mode 100644 index 0000000000000000000000000000000000000000..4df40f56ab579fc68f487c94deac93ee54c0eb1c --- /dev/null +++ b/chunks/json/fa95df654dca4900089e77ac3feffbb2de6136a9dc5f42cf0d5be408d0956946.json @@ -0,0 +1 @@ +{"chunk":{"char_end":419365,"char_start":417766,"chunk_id":"chk_c5cc8c453e8c6545","chunk_index":248,"chunk_sha256":"fa95df654dca4900089e77ac3feffbb2de6136a9dc5f42cf0d5be408d0956946","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"fa95df654dca4900089e77ac3feffbb2de6136a9dc5f42cf0d5be408d0956946","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Uniform Appraisal Dataset\n\n17 Market\n\nMarket: Search Result Metrics – Sales Within Lookback Period\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n17.015 Highest Sale\nPrice\n\nRequired when Sales\nin Lookback Period is\nnot 0\n\nAllowable\nAnswers / Format\n\nDollar amount\n\nDefinition / Additional Guidance\n\nHighest Sale Price in Lookback Period: The highest sale of the competitive\nproperties in the defined market area during the lookback period.\n\nDistressed Market Competition\n\nMarket: Search Result Metrics – Distressed Market Competition\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n17.016 Distressed\n\nAlways required\n\nYes | No\n\nMarket\nCompetition\n\nDefinition / Additional Guidance\n\n•\n\n•\n\nYes (the presence of distressed sales activity (e.g., REO, foreclosure, short\nsale) within the defined market area is a factor and impacts the market).\nNo (there is no distressed sales activity, or there is minimal activity that\ndoes not impact the market).\n\nGraphs and Price Trend Information\n\nThe information in this subsection is based on the appraiser’s identified Lookback Period.\n\nMarket: Search Result Metrics – Graphs and Price Trend Information\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n17.017 Graph\n\nIf applicable\n\nAllowable\nAnswers / Format\n\nChoose all\napplicable\nanswers from\ntable (Market\nGraph Type)\n\nDefinition / Additional Guidance\n\nMarket Graph Type: A list of graphs that the appraiser has included to support\ntheir market analysis.\n•\nAbsorption Rate\n• Median Days on Market\n•\n•\n•\n\nPercent of Distressed Sales\nPrice Trend\nYear Built of Sales\n\nNotes:\n•\n\n•\n"} diff --git a/chunks/json/faa1edf842fa763e1dcfffed7229a9dfcc2036f1d4646656958ec67bb4c9778a.json b/chunks/json/faa1edf842fa763e1dcfffed7229a9dfcc2036f1d4646656958ec67bb4c9778a.json new file mode 100644 index 0000000000000000000000000000000000000000..9539fee1d05b8b2a3146f3fb04a51d08d5cf9b44 --- /dev/null +++ b/chunks/json/faa1edf842fa763e1dcfffed7229a9dfcc2036f1d4646656958ec67bb4c9778a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":40133,"char_start":38534,"chunk_id":"chk_378bbc4dd904c86a","chunk_index":28,"chunk_sha256":"faa1edf842fa763e1dcfffed7229a9dfcc2036f1d4646656958ec67bb4c9778a","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"faa1edf842fa763e1dcfffed7229a9dfcc2036f1d4646656958ec67bb4c9778a","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"Describing the Information contained in the DU Specification\nRefer to the DU Spec for specific information on each data point’s conditionality on the Technology\nIntegration for DU web page at:\n\nhttps://www.fanniemae.com/singlefamily/technology-integration\n\nIt is important to understand when and why information is needed and how conditionality is used with the\ndata points.\n\nXML Content Section\nThis section does not appear in the redesigned Form 1003 but will be included in the XML file. This data\nis used as a File Header (not to be confused with Form Header) and contains the MISMO v3.4 file\ntransmission information for DU.\n\nForm Header Section\nThis section is used to provide information about the loan application that could be used by DU and other\ndownstream systems to identify the loan.\n\nMISMO allows multiple identifiers to be associated with each loan. Agency Case Number, FHA Case\nNumber, Universal Loan Identifier (ULI) Number, and the Lender Loan Number are all acceptable loan\nidentifiers. If multiple identifiers exist for a loan, you will be required to indicate the type of identifier to\ndistinguish the different values, for example:\n\n• A loan submitted by a lender will include a LoanIdentifierType of “LenderLoan “or\n\n“UniversalLoan” and the corresponding identifier value.\n\n• An FHA loan will require a LoanIdentifierType of “AgencyCase”.\n\nIn the form header section, DU expects to see a value for an AutomatedUnderwritingCaseIdentifier on\nresubmissions. This data point is not on the redesigned Form 1003.\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n"} diff --git a/chunks/json/faa911f696be4381098935230949d175b8ca4b1aed935df9058eae18c973bd2f.json b/chunks/json/faa911f696be4381098935230949d175b8ca4b1aed935df9058eae18c973bd2f.json new file mode 100644 index 0000000000000000000000000000000000000000..2c7c73a1691b23329e1b268714cee98909bc52b0 --- /dev/null +++ b/chunks/json/faa911f696be4381098935230949d175b8ca4b1aed935df9058eae18c973bd2f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":36309,"char_start":34655,"chunk_id":"chk_befdbe3c004e5d1d","chunk_index":29,"chunk_sha256":"faa911f696be4381098935230949d175b8ca4b1aed935df9058eae18c973bd2f","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"faa911f696be4381098935230949d175b8ca4b1aed935df9058eae18c973bd2f","token_estimate":414,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"2200.0108 MiddleName\n\n2200.0107 LastName\n\n2200.0109 SuffixName\n\n04.027 Designation\n\n2400.0459 AppraiserDesignationType\n\n04.028\n\nCompany Name\n\n2400.0455 AppraiserCompanyName\n\n04.029\n\nCompany Address\n\n2400.0450 AddressLineText\n\n2400.0451 CityName\n\n2400.0453 StateCode\n\n2400.0452 PostalCode\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nDisplay Rules\n\nWhen PartyRoleType (UID: 2200.0085, FID: Not on report)\n= “AppraiserSupervisor” …\n\n… displays\n\nDisplay when provided\n\n… displays\n\nDisplay when provided\n\nDisplay when provided\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\n… displays\n\n04.030\n\nExterior\n\n04.031\n\nInterior\n\n2400.0507 PropertyExteriorInspectionMethodType\n\n… displays\n\n2400.0508 PropertyInteriorInspectionMethodType\n\n… displays\n\nPage 32\n\nAssignment Information: Contact Information – Supervisory Appraiser\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\n04.032\n\nInspection Date\n\n2400.0506 InspectionDate\n\nDisplay Rules\n\nWhen PartyRoleType (UID: 2200.0085, FID: Not on report)\n= “AppraiserSupervisor” …\n\nDisplay when provided.\nWhen not provided, do not display report label.\n\nCredentials\n\n04.033\n\nLevel\n\n2200.0111 AppraiserLicenseType\n\nAlways displays\n\n… displays\n\n04.034\n\nID\n\n2200.0114 LicenseIdentifier\n\n04.035\n\nState\n\n2200.0115 LicenseIssuingAuthorityStateCode\n\n04.036\n\nExpires\n\n2200.0113 LicenseExpirationDate\n\n04.037 ASC Identifier\n\n2400.0454 AppraisalSubCommitteeAppraiserIdentifier\n\n04.038\n\nVA Appraiser ID\n\n04.039\n\nFHA Appraiser ID\n\n2400.0458\n2400.0457\n\nAgencyAppraiserIdentifierType\nAgencyAppraiserIdentifier\n\n2400.0458\n2400.0457\n\nAgencyAppraiserIdentifierType\nAgencyAppraiserIdentifier\n"} diff --git a/chunks/json/fab21f849202c5f6f320870d3e558faa551dcc46bce300ac12ec831ef7d1db15.json b/chunks/json/fab21f849202c5f6f320870d3e558faa551dcc46bce300ac12ec831ef7d1db15.json new file mode 100644 index 0000000000000000000000000000000000000000..947e637d3f5f3285239d96574f03029aea24c37b --- /dev/null +++ b/chunks/json/fab21f849202c5f6f320870d3e558faa551dcc46bce300ac12ec831ef7d1db15.json @@ -0,0 +1 @@ +{"chunk":{"char_end":69348,"char_start":68345,"chunk_id":"chk_5496e042aacef063","chunk_index":72,"chunk_sha256":"fab21f849202c5f6f320870d3e558faa551dcc46bce300ac12ec831ef7d1db15","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"fab21f849202c5f6f320870d3e558faa551dcc46bce300ac12ec831ef7d1db15","token_estimate":486,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Price\n\n(cid:21)(cid:24)(cid:17)(cid:19)\n\n(cid:23)(cid:28)\n\nCost Method\nDepreciation Method\n\n(cid:21)(cid:24)(cid:17)(cid:19)\n\n(cid:24)(cid:24)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:24)\n\n(cid:25)\n\nLand Comparables\n\n#\n\nAddress\n\n(cid:21)(cid:24)(cid:17)(cid:19) (cid:21)(cid:23)\n\n(cid:21)(cid:24)(cid:17)(cid:19) (cid:22)(cid:23)\n\nCounty\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:23)\n\n(cid:23)\n\nReconciliation of Site Value\n\n(cid:21)(cid:24)(cid:17)(cid:19) (cid:19)(cid:24)\n\nGeneral Description\n\nCost Type\nCost Data Source\nQuality Rating\nEffective Date\n\n(cid:21)(cid:24)(cid:17)(cid:19)\n\n(cid:24)(cid:20)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:24)(cid:21)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:24)(cid:22)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:24)\n\n(cid:23)\n\nCost Approach Commentary\n\n(cid:21)(cid:24)(cid:17)(cid:19) (cid:26)(cid:24)\n\nCost Approach Exhibits\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:24)(cid:27)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:21)(cid:24)(cid:17)(cid:19)(cid:24)(cid:27)(cid:17)(cid:21)\n"} diff --git a/chunks/json/faccb378da67bf743aaa6af73b0381c6d2bd2805739ecc66104ab8a6ee54d82d.json b/chunks/json/faccb378da67bf743aaa6af73b0381c6d2bd2805739ecc66104ab8a6ee54d82d.json new file mode 100644 index 0000000000000000000000000000000000000000..457776954a7520e36cdc009fa549f16c3db38c38 --- /dev/null +++ b/chunks/json/faccb378da67bf743aaa6af73b0381c6d2bd2805739ecc66104ab8a6ee54d82d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":88985,"char_start":87376,"chunk_id":"chk_2fafcb14104d0256","chunk_index":50,"chunk_sha256":"faccb378da67bf743aaa6af73b0381c6d2bd2805739ecc66104ab8a6ee54d82d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"faccb378da67bf743aaa6af73b0381c6d2bd2805739ecc66104ab8a6ee54d82d","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Reason for the appraisal assignment.\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\nNotes:\n•\n\n•\n\nIf more than one reason applies, choose the most appropriate or primary\nreason for the assignment.\nOther relevant information regarding the assignment reason, including\nwhether more than one assignment reason applies, is reported in\nAssignment Information and Scope of Work Commentary (2.061).\n\nBorrower, Seller, and Current Owner of Public Record\n\nAssignment Information: Borrower, Seller, and Current Owner of Public Record\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n2.001\n\nBorrower Name\n\nIf applicable\n\nAllowable\nAnswers / Format\n\nFree-form\nRepeatable\n\nDefinition / Additional Guidance\n\nNotes:\n•\n•\n\nThe borrower can be a person or a legal entity.\nFor VA appraisals, reference the appropriate government agency\nappraisal guidelines.\n\nAppendix F-1: URAR Reference Guide\n\nPage 33 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n02 Assignment Information\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nAssignment Information: Borrower, Seller, and Current Owner of Public Record\n\n2.002\n\nSeller Name\n\nIf applicable\n\n2.003\n\nCurrent Owner\nof Public Record\n\nAlways required\n\nProperty Valuation Method\n\nFree-form\nRepeatable\n\nFree-form\nRepeatable\n\nNotes:\n•\n•\n\nThe seller can be a person or a legal entity.\nIf there is no seller (such as refinance transactions), leave blank.\n\nNote: The current owner can be a person or a legal entity.\n\nReference published guidelines by the GSEs, government agencies, or other identified secondary market\nparticipants for specific guidance.\n"} diff --git a/chunks/json/facd10687535947460ac9edb2ab1c920683f5539151489f309bb4f487bb24b4c.json b/chunks/json/facd10687535947460ac9edb2ab1c920683f5539151489f309bb4f487bb24b4c.json new file mode 100644 index 0000000000000000000000000000000000000000..a342c444c1e7054d775ebe9ff5e2f2981292b503 --- /dev/null +++ b/chunks/json/facd10687535947460ac9edb2ab1c920683f5539151489f309bb4f487bb24b4c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":447950,"char_start":446337,"chunk_id":"chk_b548b94cea6e825e","chunk_index":265,"chunk_sha256":"facd10687535947460ac9edb2ab1c920683f5539151489f309bb4f487bb24b4c","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"facd10687535947460ac9edb2ab1c920683f5539151489f309bb4f487bb24b4c","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Required for each lien\nif Project Blanket\nFinancing is Yes\n\nFirst Lien | Second\nLien |Third Lien |\nFourth Lien\n\nLien Priority: The priority of the lien against the property.\n\nRequired for each lien\nif Project Blanket\nFinancing is Yes\n\nRequired for each lien\nif Project Blanket\nFinancing is Yes and\nLine of Credit is No\n\nRequired for each lien\nif Project Blanket\nFinancing is Yes and\nLine of Credit is Yes\n\nRequired for each lien\nif Project Blanket\nFinancing is Yes and\nLine of Credit is Yes\n\nRequired for each lien\nif Project Blanket\nFinancing is Yes\n\nYes | No\n\nLine of Credit: Indicates whether the lien is a line of credit.\n\nDollar amount\n\nThe current unpaid principal balance on the loan.\n\nDollar amount\n\nLine of Credit Maximum Amount: The maximum amount that can be extended\nas a line of credit.\n\nDollar amount\n\nLine of Credit Drawn Amount: The current amount that has been drawn from a\nline of credit.\nNote: If the line of credit is unused, enter 0.\n\nYes | No\n\nIndicates whether a final balloon payment is required to fully pay off the loan.\n\nRemaining Term Required for each lien\n\nif Project Blanket\nFinancing is Yes\n\nNumber of\nmonths\n\nThe number of months remaining until the loan matures.\n\nReport\nField ID\n\n18.028\n18.037\n18.046\n18.055\n\nNot on\nReport\n\n18.029\n18.038\n18.047\n18.056\n\n18.030\n18.039\n18.048\n18.057\n\n18.030\n18.039\n18.048\n18.057\n\n18.031\n18.040\n18.049\n18.058\n\n18.032\n18.041\n18.050\n18.059\n\nAppendix F-1: URAR Reference Guide\n\nPage 190 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nCooperative Information: Project Blanket Financing (Repeats for Each Lien)\n\nReport\nField ID\n"} diff --git a/chunks/json/fad8668f6392f82c47c43ce1f6424f9c7dded8a47ffd316949c7008dbe9591f9.json b/chunks/json/fad8668f6392f82c47c43ce1f6424f9c7dded8a47ffd316949c7008dbe9591f9.json new file mode 100644 index 0000000000000000000000000000000000000000..f17c65ef067fabd7fd3cc4fcee59837d18ece135 --- /dev/null +++ b/chunks/json/fad8668f6392f82c47c43ce1f6424f9c7dded8a47ffd316949c7008dbe9591f9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":361056,"char_start":359428,"chunk_id":"chk_497d18734af30f32","chunk_index":200,"chunk_sha256":"fad8668f6392f82c47c43ce1f6424f9c7dded8a47ffd316949c7008dbe9591f9","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"fad8668f6392f82c47c43ce1f6424f9c7dded8a47ffd316949c7008dbe9591f9","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"The forms shown below are required for a standard PERS submission.\n\nForm\n\nTitle\n\nDescription\n\n1026\n\nApplication for Project Approval\n\nRequires certification that the lender has “underwritten”\nthe project; includes non-residential space, common\nareas, sales plan, construction warranty, budget,\nbuilder/developer information, status of construction,\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 140 of 166\n\nUAD 3.6 Policy\n\nForm\n\nTitle\n\nDescription\n\nenvironmental issues, resale restrictions, phasing, project\nmanagement.\n\n1029\n\nWarranty of Project Presales\n\nRequires lender certification of sales and presales\ninformation.\n\n1030\n\nProject Eligibility Review Service Document\nChecklist\n\nChecklist confirming all required condo documents have\nbeen provided (see below).\n\n1051\n\nProject Development/Master Association\nPlan\n\nRequires lender certification of submitted information;\nincludes master association and sub-association\ndescription and structure, common areas, title policy,\nmaster association budget, “as-built” survey or master\nplan.\n\n1054\n\n1071\n\nWarranty of Condominium Project Legal\nDocuments\n\nRequires lender certification of compliance with laws and\nFannie Mae legal requirements.\n\nStatement of Insurance and Fidelity\nCoverage\n\nRequires lender certification of all insurance\nrequirements; addresses specific insurance types and\nclauses, and requires the lender to obtain and review all\npolicies.\n\n1073A\n\nAnalysis of Annual Income and Expenses –\nOperating Budget\n\nRequires lender certification that the operating budget\nhas been analyzed; detailed operating budget\ninformation to be completed by HOA and lender.\n"} diff --git a/chunks/json/faf902c0507c25077312a977a93d680ed97bffb38eae78543fe098993e06070f.json b/chunks/json/faf902c0507c25077312a977a93d680ed97bffb38eae78543fe098993e06070f.json new file mode 100644 index 0000000000000000000000000000000000000000..56b52cd7a94177badb90dad924c41084a075844c --- /dev/null +++ b/chunks/json/faf902c0507c25077312a977a93d680ed97bffb38eae78543fe098993e06070f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":160799,"char_start":159128,"chunk_id":"chk_33a7599b0ce8be4f","chunk_index":93,"chunk_sha256":"faf902c0507c25077312a977a93d680ed97bffb38eae78543fe098993e06070f","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"faf902c0507c25077312a977a93d680ed97bffb38eae78543fe098993e06070f","token_estimate":418,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 62 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nSite: Information for each Site Influence\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n4.027\n\nDetail\n\nRequired for FHA,\nUSDA, and VA\nappraisals when Site\nInfluence is Airport\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom table (Special\nAirport Hazard\nZone)\n\n4.027\n\nDetail\n\n4.028\n\nImpact\n\n4.029\n\nComment\n\nYes | No\n\nAdverse,\nBeneficial, or\nNeutral\n\nFree-form\n\nRequired for FHA,\nUSDA, and VA\nappraisals when Site\nInfluence is Local\nDistribution Line,\nOverhead Electric\nPower Transmission\nLine, or High Pressure\nGas Line\n\nRequired for each Site\nInfluence\n\nRequired for each Site\nInfluence if Impact is\nAdverse or Beneficial,\nor if Meets Distance\nRequirements is No, or\nas needed\n\nDefinition / Additional Guidance\n\nNone (Not in a Special Airport Hazard Zone)\nCivil Airport Runway Clear Zone\n\nSpecial Airport Hazard Zone: Areas mapped as special airport hazard zones at\nthe ends of runways where aircraft accidents are most likely to occur.\n•\n•\n• Military Airport Accident Potential Zone 1\n• Military Airport Clear Zone\n•\n\nOther (Describe)\n\nReference the appropriate government agency appraisal guidelines for more\ninformation.\n\nMeets Policy Requirements: Indicates whether the site influence meets\napplicable policy requirements.\n•\n•\n\nYes (Meets Policy Requirements)\nNo (Does Not Meet Policy Requirements)\n\nReference the appropriate government agency appraisal guidelines for more\ninformation.\n\nWhen Adverse or Beneficial, describe the impact to value and / or\nmarketability. Additional commentary may be provided to include details and\nother information.\n"} diff --git a/chunks/json/fb02a1a752cb702bfcbe948994f21bd6a7115d0a47f35308758f95daaad93570.json b/chunks/json/fb02a1a752cb702bfcbe948994f21bd6a7115d0a47f35308758f95daaad93570.json new file mode 100644 index 0000000000000000000000000000000000000000..d08e1bb5b6327ff42cbd760f2a270b3e04e6ebcf --- /dev/null +++ b/chunks/json/fb02a1a752cb702bfcbe948994f21bd6a7115d0a47f35308758f95daaad93570.json @@ -0,0 +1 @@ +{"chunk":{"char_end":64521,"char_start":64065,"chunk_id":"chk_17b4a559603ce1a8","chunk_index":103,"chunk_sha256":"fb02a1a752cb702bfcbe948994f21bd6a7115d0a47f35308758f95daaad93570","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"fb02a1a752cb702bfcbe948994f21bd6a7115d0a47f35308758f95daaad93570","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Comparable Rental Analysis ..................................................................................................................................................................................................... 306\n\nRental Analysis Commentary ................................................................................................................................................................................................... 314\n"} diff --git a/chunks/json/fb0a704dc92eac9e08d7cff6d474a6b1a1f3f11bac1389478dfe1df01a2a4e19.json b/chunks/json/fb0a704dc92eac9e08d7cff6d474a6b1a1f3f11bac1389478dfe1df01a2a4e19.json new file mode 100644 index 0000000000000000000000000000000000000000..d5e6970e2bb40a987a3196d571b9999108c289fe --- /dev/null +++ b/chunks/json/fb0a704dc92eac9e08d7cff6d474a6b1a1f3f11bac1389478dfe1df01a2a4e19.json @@ -0,0 +1 @@ +{"chunk":{"char_end":69460,"char_start":67795,"chunk_id":"chk_47a00a08cdd599f7","chunk_index":40,"chunk_sha256":"fb0a704dc92eac9e08d7cff6d474a6b1a1f3f11bac1389478dfe1df01a2a4e19","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"fb0a704dc92eac9e08d7cff6d474a6b1a1f3f11bac1389478dfe1df01a2a4e19","token_estimate":416,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"C\n\nS\n\nW\n\nE\n\nContract Date\n\nSettlement Date\n\nWithdrawn Date\n\nExpiration Date\n\nReporting Format:\nStatus Type – Appraiser must select one\nvalue from the specified list\nDate – mm/yy\nContract Date Unknown Indicator (for Settled\nSales only) – Select ‘Yes’ or ‘No’\nThe PDF creator will automatically insert the\nabbreviated Date Status type and a semicolon\nto separate the data values (for settled sales\nonly). If the appraiser indicates the contract\n\nPage 38 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\ndate is unknown, the PDF creator will\npopulate ‘Unk’ after the semicolon\n\nExamples:\nActive listing: Active\nContract: c04/10\nExpired listing: e04/10\nWithdrawn listing: w04/10\nSettled sale (contract date known):\ns04/10;c02/10\nSettled sale (contract date unknown):\ns04/10;Unk\n\nPage 39 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at\nthe direction of the Federal Housing Finance Agency.\n\n• 1004/70\n\nREQUIREMENT\n\nLocation\nThe appraiser must select one of the following\nratings to describe the overall effect on value\nand marketability of the location factor(s)\nassociated with the subject property and each\ncomparable property. The abbreviation for the\nrating must be entered.\n"} diff --git a/chunks/json/fb164691da3bdf7b4cf94c9c1036d0aa8f034eaee9361cb88fef70cd5c9182f1.json b/chunks/json/fb164691da3bdf7b4cf94c9c1036d0aa8f034eaee9361cb88fef70cd5c9182f1.json new file mode 100644 index 0000000000000000000000000000000000000000..fe6f828bd92cfee5998b6cc5b6ef5238e4e1cb8d --- /dev/null +++ b/chunks/json/fb164691da3bdf7b4cf94c9c1036d0aa8f034eaee9361cb88fef70cd5c9182f1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":28155,"char_start":26406,"chunk_id":"chk_4cc510047340104b","chunk_index":16,"chunk_sha256":"fb164691da3bdf7b4cf94c9c1036d0aa8f034eaee9361cb88fef70cd5c9182f1","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"fb164691da3bdf7b4cf94c9c1036d0aa8f034eaee9361cb88fef70cd5c9182f1","token_estimate":437,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Quality\n\nCondition\n\nProperty Amenities\n\nOutdoor Accessories\n\nOutdoor Living\n\nWater Features\n\nWhole Home\n\nMiscellaneous\n\nVehicle Storage\n\nType | Spaces | Detail\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\nOutbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts)\n\n$\n\nOutbuilding Type\n\nGross Building Area\n\nFinished Area\n\nUnfinished Area\n\nStructure Volume\n\nBaths - Full\n\nBaths - Half\n\nKitchens\n\nHeating\n\nCooling\n\nUtilities\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nSubject Property\n\nComparable #\n\nComparable #\n\nComparable #\n\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\nPrice Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\nReconciliation of Sales Comparison Approach\n\nAdditional Properties Analyzed Not Used\n\n#\n\nProperty Address\n\nSale Date\n\nStatus\n\nReason Not Used\n\nComment\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nPG BRK\n\nSales Comparison Map\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/fb1bad85909ba892f86819d61ce61752ac05d3da867efc1cd569fb07e75259cf.json b/chunks/json/fb1bad85909ba892f86819d61ce61752ac05d3da867efc1cd569fb07e75259cf.json new file mode 100644 index 0000000000000000000000000000000000000000..a8349c18b83eb2c7588a6df24be92530fc3ad046 --- /dev/null +++ b/chunks/json/fb1bad85909ba892f86819d61ce61752ac05d3da867efc1cd569fb07e75259cf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17052,"char_start":13892,"chunk_id":"chk_b921ff4899940104","chunk_index":8,"chunk_sha256":"fb1bad85909ba892f86819d61ce61752ac05d3da867efc1cd569fb07e75259cf","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_803e35193cb4a939","text_sha256":"fb1bad85909ba892f86819d61ce61752ac05d3da867efc1cd569fb07e75259cf","token_estimate":975,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Blogs___FHFA_0tygc.md"]},"text":"---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/34861\",\"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\":{\"\\/blog\":true,\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"better_exposed_filters\":{\"datepicker\":true,\"datepicker_options\":[]},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/fb297dbe79f99632312c11af4b199c19c817fc8be6778690b62e74f2985b12e4.json b/chunks/json/fb297dbe79f99632312c11af4b199c19c817fc8be6778690b62e74f2985b12e4.json new file mode 100644 index 0000000000000000000000000000000000000000..7e2ed674bd294f76e3d6ca149c5d2beb239c8050 --- /dev/null +++ b/chunks/json/fb297dbe79f99632312c11af4b199c19c817fc8be6778690b62e74f2985b12e4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1010819,"char_start":1009059,"chunk_id":"chk_39d33aa413c09d21","chunk_index":602,"chunk_sha256":"fb297dbe79f99632312c11af4b199c19c817fc8be6778690b62e74f2985b12e4","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"fb297dbe79f99632312c11af4b199c19c817fc8be6778690b62e74f2985b12e4","token_estimate":440,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"GSE Property\nOwner Name\n\nThe unparsed name(s) of the subject\nproperty owner(s).\n\n/VALUATION_RESPONSE/PROPERTY/_OWNER/PROPERTY_OWNE\nR_EXTENSION/PROPERTY_OWNER_EXTENSION_SECTION[@Exte\nnsionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/PROPERTY_OWNER_EXTENSION_SECTION_DATA/PR\nOPERTY_OWNER/@GSEPropertyOwnerName\n\n45\n\nString\n\nSUBJECT\n\nCounty\n\nProperty County\n\nThe county in which the subject property\nis located.\n\n/VALUATION_RESPONSE/PROPERTY/@_County\n\n30\n\nString\n\nUAD Instruction - Refer to Appendix D Subject Section\nIf the subject property is not located in any county (e.g. the subject property is\nlocated in an independent city), enter the name of the local municipality or district in\nwhich the property is located.\n\nSUBJECT\n\nLegal Description\n\n14\n\nSUBJECT\n\nAssessor’s Parcel #\n\nProperty Legal\nDescription Text\nDescription\n\nA free-form text field used to capture the\nlegal description of the property for the\ntype specified in Property Legal\nDescription Type.\n\nGSE Assessors\nParcel Identifier\n\nThe identifier or identifiers that describes\nthe location of the property as related to\ncounty, state or municipal tax records.\n\n/VALUATION_RESPONSE/PROPERTY/_LEGAL_DESCRIPTION[@_T\nype='Other' and @_TypeOtherDescription='LongLegal']/@_TextDescription\n\n150\n\nString\n\n/VALUATION_RESPONSE/PROPERTY/_IDENTIFICATION/PROPERT\nY_IDENTIFICATION_EXTENSION/PROPERTY_IDENTIFICATION_E\nXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFOR\nM APPRAISAL\nDATASET']/PROPERTY_IDENTIFICATION_EXTENSION_SECTION_\nDATA/PARCEL_IDENTIFIER/@GSEAssessorsParcelIdentifier\n\n60\n\nString\n\nUAD Instruction - Refer to Appendix D Subject Section\nIf no parcel number is available, enter 'None'. If more than one parcel number is\napplicable, each should be listed, separated by a semicolon.\n"} diff --git a/chunks/json/fb4ca823c0aff720622365b6f8563b69d1c772b16ddb0c3a10945a3826b0455a.json b/chunks/json/fb4ca823c0aff720622365b6f8563b69d1c772b16ddb0c3a10945a3826b0455a.json new file mode 100644 index 0000000000000000000000000000000000000000..6089f2ed99b68785e015f7a2271193cf2119c5a1 --- /dev/null +++ b/chunks/json/fb4ca823c0aff720622365b6f8563b69d1c772b16ddb0c3a10945a3826b0455a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":2909,"char_start":2308,"chunk_id":"chk_8cbea4f720322a03","chunk_index":3,"chunk_sha256":"fb4ca823c0aff720622365b6f8563b69d1c772b16ddb0c3a10945a3826b0455a","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7eca65366e02ac25","text_sha256":"fb4ca823c0aff720622365b6f8563b69d1c772b16ddb0c3a10945a3826b0455a","token_estimate":551,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type.pdf"]},"text":"URAR - Summary Section ....................................................................................................................................................................................................................................................................... 6\n\nExample 1: Detached Single-Family ................................................................................................................................................................................................................................................................................... 7\n"} diff --git a/chunks/json/fb5478ca750beaadc2b29706ab42ffc5be5316b4a17231e4fa1e9b3a0b1c578e.json b/chunks/json/fb5478ca750beaadc2b29706ab42ffc5be5316b4a17231e4fa1e9b3a0b1c578e.json new file mode 100644 index 0000000000000000000000000000000000000000..d016c67aceb98062725dc84f3d8b1d4140f6d6d7 --- /dev/null +++ b/chunks/json/fb5478ca750beaadc2b29706ab42ffc5be5316b4a17231e4fa1e9b3a0b1c578e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":126999,"char_start":125209,"chunk_id":"chk_916b66a99f4917f0","chunk_index":71,"chunk_sha256":"fb5478ca750beaadc2b29706ab42ffc5be5316b4a17231e4fa1e9b3a0b1c578e","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"fb5478ca750beaadc2b29706ab42ffc5be5316b4a17231e4fa1e9b3a0b1c578e","token_estimate":448,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"UAD 3.6 Policy\n\nSB4-1.1-06, Uniform Appraisal Dataset (UAD) and the Uniform Collateral\nData Portal (UCDP) (6/04/2025)\n\nIntroduction\n\nThis topic contains information on the Uniform Appraisal Dataset and the Uniform Collateral Data Portal, including:\n\n• Uniform Appraisal Dataset\n• Uniform Collateral Data Portal\n\nUniform Appraisal Dataset\n\nThe Uniform Appraisal Dataset (UAD) is a standardized industry dataset for appraisal information that is transmitted\nelectronically through the Uniform Collateral Data Portal® (UCDP®). Fannie Mae requires all appraisal and completion reports\nsubmitted through UCDP to meet the Uniform Appraisal Dataset Specification provided in the applicable guide below:\n\n•\n•\n•\n\nAppendix F-1: URAR Reference Guide\nAppendix F-2: Restricted Appraisal Update Report Reference Guide\nAppendix F-3: Completion Report Reference Guide\n\nLenders may obtain the most recent version of the Uniform Appraisal Dataset Specification, its appendices, and additional\ninformation on Fannie Mae’s website.\n\nUniform Collateral Data Portal\n\nThe UCDP is a portal through which lenders are required to electronically submit appraisal reports for conventional loans sold to\nFannie Mae. All appraisal and completion reports, including exhibits and photographs, must be submitted through the UCDP and\nreceive a “Successful” status from the UCDP prior to sale of the loan to Fannie Mae.\n\nIf there are subsequent revisions to the appraisal report, the final version of the report that was utilized in making the\nunderwriting decision must be submitted through the UCDP and receive a “Successful” status from the UCDP prior to sale of the\nloan to Fannie Mae. When submitting an appraisal report through UCDP, lenders must ensure it is the unaltered report submitted\nby the identified appraiser.\n"} diff --git a/chunks/json/fb6c342871ab9a2f5ad71343c4d98da95bc99842ad9abe6eecfb5b3cf643cf2b.json b/chunks/json/fb6c342871ab9a2f5ad71343c4d98da95bc99842ad9abe6eecfb5b3cf643cf2b.json new file mode 100644 index 0000000000000000000000000000000000000000..9833136613cd766c8e5ef69d782147e90c8c311d --- /dev/null +++ b/chunks/json/fb6c342871ab9a2f5ad71343c4d98da95bc99842ad9abe6eecfb5b3cf643cf2b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17036,"char_start":15308,"chunk_id":"chk_88f88a02301b9b60","chunk_index":8,"chunk_sha256":"fb6c342871ab9a2f5ad71343c4d98da95bc99842ad9abe6eecfb5b3cf643cf2b","date_utc":"2026-01-27T18:04:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3dd27d8c782b92b8","text_sha256":"fb6c342871ab9a2f5ad71343c4d98da95bc99842ad9abe6eecfb5b3cf643cf2b","token_estimate":432,"warnings":["source_path=Assorted/_.pdf/Appendix F-3 Completion Report Reference Guide v 1.3.pdf"]},"text":"The photo must be associated\nwith the specific repair item.\nSee 03.001.\nThe photo must be associated\nwith the specific repair item.\nSee 04.001.\n\nSee 05.001\n\nThe photo must be associated\nwith the specific inconsistent\nitem. See 05.003.\n\nAppendix F-3: Completion Report Reference Guide\n\nPage 8 of 33\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nOverview\n\nSection\n#\n\n07\n\nSection\nName\n(Black Tab)\n\nCompletion\nReport\nExhibits\n(Continued)\n\nBest Practices\n\nPhoto or Image\n(Predefined Caption or\nGray Bar)\n\nIs there an Additional\nCaption\n(Free-form Text)?\n\nIs the Photo or Image\nRequired?\n\nAdditional Guidance\n\nHUD Data Plate\n\nMay be provided to further\nidentify the photo or image\n\nIf not provided in the\noriginal appraisal\n\nHUD Certification Label\n\nMay be provided to further\nidentify the photo or image\n\nIf not provided in the\noriginal appraisal\n\nManufactured Home\nCertification\n\nMay be provided to further\nidentify the photo or image\n\nIf not provided in the\noriginal appraisal\n\nCompletion Report\nExhibits\n\nRequired for each photo or\nimage\n\nProvide an image of the\nverification source if the HUD\nData Plate is not present.\n\nProvide an image of the\nverification source if the HUD\nCertification Label is not\npresent.\n\nPhotos or images related to\nthe Completion Report that\nare not specified above.\n\nWhen there are multiple allowable answers, select the answer that is most applicable. Do not select Other\n(Describe) and type in abbreviations or words with similar meaning to the allowable answer.\n\nThe Certifications and Intended Use / User section provides space for additional appraiser or supervisory\nappraiser certifications. The appraiser must not enter language that is contrary to the predefined certifications\n(09.018 and 09.024).\n"} diff --git a/chunks/json/fb7129b7d9242211d87785c8b20cdd062080eb2d03636de8f574c5c801adf2e6.json b/chunks/json/fb7129b7d9242211d87785c8b20cdd062080eb2d03636de8f574c5c801adf2e6.json new file mode 100644 index 0000000000000000000000000000000000000000..aa73ec47992d6e4e6756f15527d62c21613ca5f3 --- /dev/null +++ b/chunks/json/fb7129b7d9242211d87785c8b20cdd062080eb2d03636de8f574c5c801adf2e6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15680,"char_start":13173,"chunk_id":"chk_e10ea7c3e0e1e9d9","chunk_index":8,"chunk_sha256":"fb7129b7d9242211d87785c8b20cdd062080eb2d03636de8f574c5c801adf2e6","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_aae08e64227622e0","text_sha256":"fb7129b7d9242211d87785c8b20cdd062080eb2d03636de8f574c5c801adf2e6","token_estimate":627,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.xml/MH1_Appraisal_v1.3.xml"]},"text":"Replacement\n\nComparativeUnit\n\n154500\n\n23500\n\nModifiedEconomicAgeLife\n\n250000\n\nComp #1 is a 4 acre site on same lake as the subject, includes 1/4 acre parcel providing water frontage much like the subject. Comp #2 is a 3 acre site with water views of same lake as subject. Comp #3 is a 10 acre site within a mile of the subject with same power line easement. However, comp #3 has no water frontage or view, and the easement splits the property in half, making some of the land useless for construction.\n\n31500\n\nSalesComparison\n\n459500\n\n4500\n\n95.66\n\n150000\n\n1568\n\nStandardFinishedAreaAboveGrade\n\n154500\n\n0\n\n18.75\n\n15000\n\n800\n\nUnfinishedArea\n\n6000\n\n9000\n\n22.22\n\n15554\n\n700\n\nOther\n\nGarage\n\n47.23\n\n9446\n\n200\n\nFinishedArea\n\n17500\n\n7500\n\n31500\n\nWell, septic, fence, deck, driveway, and water frontage improvements\n\nNotNecessaryForCredibleResults\n\nThe three sales provided were the most comparable manufactured home sales in the market. There were limited sales of manufactured homes on acreage with water frontage and other amenities. Comparable #1's lot is on the lake, whereas the subject's water frontage is a non-contiguous parcel that is included, while the comparable has no water front features the result is a negative adjustment. The outbuilding adjustment for comparable sale #1's shop vs the subject's detached garages was based on the subject's finished space only as the garage/car storage was captured in vehicle storage. Comparable #2 was superior in terms of quality upgrades and an adjustment was warranted even though the Q rating was the same as the subject. Comparable #2 is located in a water front project with site values that exceed those in the subject project. The value differences are due to more level topography and boat motor size restrictions that reduce noise and damage associated with motor wakes. Comparable #3 is less impactful due to it being a short sale. Comparable #3 has a small portion of its lot within the river floodplain. There is no impact to improvements or usability of the lot therefore no adjustment is warranted. The appraiser made market based adjustments to each of the sales for their differences. Adjustments were determined through qualitative analysis, considering contributory values and competitive differences, matched paired analysis, and interviews with local real estate agents. The value was reconciled between the adjusted prices of the comparable sales #1 and #2 as they were given the most weight with additional support from comparable sale #3.\n"} diff --git a/chunks/json/fb96948293e3a2b685e1f17c091d6f3134c5f92bb8eccd8ffcc4e59037e368ea.json b/chunks/json/fb96948293e3a2b685e1f17c091d6f3134c5f92bb8eccd8ffcc4e59037e368ea.json new file mode 100644 index 0000000000000000000000000000000000000000..74c4d3ee0d03511dc5bdb5bb6a61593cd54de7de --- /dev/null +++ b/chunks/json/fb96948293e3a2b685e1f17c091d6f3134c5f92bb8eccd8ffcc4e59037e368ea.json @@ -0,0 +1 @@ +{"chunk":{"char_end":335593,"char_start":333846,"chunk_id":"chk_4453af87044b42c5","chunk_index":198,"chunk_sha256":"fb96948293e3a2b685e1f17c091d6f3134c5f92bb8eccd8ffcc4e59037e368ea","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"fb96948293e3a2b685e1f17c091d6f3134c5f92bb8eccd8ffcc4e59037e368ea","token_estimate":437,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Less than 7 feet\n7 Ft.\n8 Ft.\n9 Ft.\n10 or more feet\n2 or more stories\n\nCeiling Style: The style(s) of ceilings in the unit.\n•\n•\n•\n•\n•\n•\n•\n•\n•\n\nBarrel\nBeams\nCathedral\nCoffered\nDrop\nFlat\nTray\nVaulted\nOther (Describe)\n\n10.046 Quality\n\nComment\n\nFree-form\n\nIf needed to describe\nthe current quality of\nthe walls and ceilings\nin the unit\n\nA brief description of the quality of the walls and ceilings as of the effective\ndate. For further expansion of commentary, use Unit Interior Commentary\n(10.061).\n\nAppendix F-1: URAR Reference Guide\n\nPage 140 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nUnit Interior - Interior Features: Walls and Ceiling\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n10.047 Condition Status Always required\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom table (Walls\nand Ceiling\nCondition Status)\n\nDefinition / Additional Guidance\n\nNew or Like New\nTypical Wear and Tear\nDamaged and Functional\nDamaged and Nonfunctional\nNo Finish\n\nThe condition status of the walls and ceilings in the unit.\n•\n•\n•\n•\n•\nNotes:\n•\n\nIf there are varying condition statuses for the walls and ceiling, choose the\none that best explains the Interior Condition Rating.\nCondition Status reflects the required repairs, inspections, or completions\nas if they were completed. The current condition is noted in the Apparent\nDefects, Damages, and Deficiencies (Unit Interior) subsection.\nIndividual damages must be reported in the Apparent Defects, Damages,\nand Deficiencies (Unit Interior) subsection.\n\n•\n\n•\n\n10.048 Condition\nComment\n\nIf applicable\n\nFree-form\n\nA brief description of the condition of the walls and ceilings may be provided.\nNote: For further expansion of commentary, use Unit Interior Commentary\n(10.061).\n"} diff --git a/chunks/json/fb996c236fbd7cd4066d9f72f4a5df06378da4d2bc5ae4befe8c72e27f5dec1c.json b/chunks/json/fb996c236fbd7cd4066d9f72f4a5df06378da4d2bc5ae4befe8c72e27f5dec1c.json new file mode 100644 index 0000000000000000000000000000000000000000..d0f6f82edcc039f0d7c5cf435b09f25cd35b3f81 --- /dev/null +++ b/chunks/json/fb996c236fbd7cd4066d9f72f4a5df06378da4d2bc5ae4befe8c72e27f5dec1c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29574,"char_start":27966,"chunk_id":"chk_c3612c92b35c5394","chunk_index":17,"chunk_sha256":"fb996c236fbd7cd4066d9f72f4a5df06378da4d2bc5ae4befe8c72e27f5dec1c","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"fb996c236fbd7cd4066d9f72f4a5df06378da4d2bc5ae4befe8c72e27f5dec1c","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Site Influence (Location)\n\nView | Range\n\nDwelling(s)\n\nYear Built\n\nThis is where the\nSubject Property photo\nwould display.\n\nThis is where the\nComparable 1 photo\nwould display.\n\nThis is where the\nComparable 2 photo\nwould display.\n\nThis is where the\nComparable 3 photo\nwould display.\n\nAssessor Record |\nMLS 2345850\n\nAssessor Record |\nMLS 32498543\n\nAssessor Record |\nMLS 2354398\n\n$160,000\n\nPending\n\n$160,000\n\nNo\n\n08/25/2019\n\nDetached\n\nFee Simple\n\nNo\n\n1.1 Miles S\n\n$279,000\n\nSettled Sale\n\n—\n\n$279,000\n\n$0\n\n$0\n\n$0\n\nVA\n\nNo\n\n02/22/2019\n\n04/30/2019\n\n115\n\nDetached\n\nFee Simple\n\nNo\n\n5.1 Miles NW\n\n$210,000\n\nSettled Sale\n\n—\n\n$200,500\n\nConventional\n\nNo\n\n10/01/2018\n\n12/03/2018\n\n94\n\nDetached\n\nFee Simple\n\nNo\n\n$0\n\n$0\n\n$0\n\nConventional\n\nNo\n\n03/20/2019\n\n05/30/2019\n\n87\n\nDetached\n\nFee Simple\n\nNo\n\n4.4 Miles W\n\n$257,500\n\nSettled Sale\n\n—\n\n$249,750\n\n$0\n\n$0\n\n$0\n\nMineral Rights\n\nMineral Rights\n\nMineral Rights\n\nMineral Rights\n\n11,997 Sq. Ft.\n\n11,965 Sq. Ft.\n\n$0\n\n43,560 Sq. Ft.\n\n$(15,000)\n\n43,560 Sq. Ft.\n\n$(15,000)\n\nHawaiian Vista\n\nHawaiian Parks\n\n$0 Ocean Vista Park\n\n$0 Ocean Vista Park\n\nLegal Nonconforming\n\nLegal\n\n$0\n\nLegal\n\n$0\n\n$0\n\n$(15,000)\n\n$0\n\n$0\n\nHazard Zone\n\nUSGS Lava Flow Zone 2\n\nNone\n\nLandscaping\n\n$(2,000)\n\nNone\n\nUSGS Lava\nFlow Zone 3\n\n$(15,000)\n\nUSGS Lava\nFlow Zone 3\n\nNone\n\nBusy Roadway\n\nBusy Roadway\n| Ocean\n\n$(25,000)\n\nResidential\n\n$(5,000)\n\nResidential\n\n$(5,000)\n\nResidential | Full\n\nResidential | Full\n\nResidential | Full\n\nResidential | Full\n\nLegal\nNonconforming\n\nUSGS Lava\nFlow Zone 2\n\n1985 | 1985\n\n2005 | 1992\n\n$(5,000)\n\n1946 | 1940\n\n$10,000\n\n1992\n\nGross Building Finished Area\n\n1,728 Sq. Ft.\n\n2,790 Sq. Ft.\n"} diff --git a/chunks/json/fbae2eb4cc7b0d86f42902d9b0c11ee489c3efa94ee2b83da5b5940a940523d6.json b/chunks/json/fbae2eb4cc7b0d86f42902d9b0c11ee489c3efa94ee2b83da5b5940a940523d6.json new file mode 100644 index 0000000000000000000000000000000000000000..9a69e59a84dbe38c0387d5ccf5c98b69afe62dc9 --- /dev/null +++ b/chunks/json/fbae2eb4cc7b0d86f42902d9b0c11ee489c3efa94ee2b83da5b5940a940523d6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":23780,"char_start":21593,"chunk_id":"chk_30c8a4602e4bf25d","chunk_index":10,"chunk_sha256":"fbae2eb4cc7b0d86f42902d9b0c11ee489c3efa94ee2b83da5b5940a940523d6","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bc0c11220168b9d2","text_sha256":"fbae2eb4cc7b0d86f42902d9b0c11ee489c3efa94ee2b83da5b5940a940523d6","token_estimate":547,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2011-24791 (1).pdf"]},"text":"A. Single-Family Data Field 61:\nPurchase Price\n\nSection 1324(b)(6)(A), in conjunction\nwith section 1326(d)(2), requires public\ndisclosure of the purchase price of the\nproperty with respect to the high-cost\nsecuritized loan. New data field 61 in\nNational File C designates the purchase\nprice of the property for the high-cost\nsecuritized loan, as reported by the\nEnterprises to FHFA. Where the\npurchase price is not available, FHFA\nwill attempt to estimate the purchase\nprice by dividing the origination unpaid\nprincipal balance (UPB) field by the\nLTV at origination. The reported or\nestimated values will be rounded to the\nnearest $1,000, consistent with the\nrelease of HMDA data fields in the\nPUDB. The value ‘‘999999999=Missing’’\nwill be used where the purchase price\ncannot be obtained through either\nmethod and is then considered missing.\n\nB. Single-Family Data Field 19: Loan-to-\nValue Ratio (LTV) at Origination (or\nCLTV Where Available)\n\nSection 1324(b)(6)(B), in conjunction\nwith section 1326(d)(2), requires public\n\nVerDate Mar<15>2010 18:20 Sep 27, 2011 Jkt 223001 PO 00000 Frm 00037 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\28SEN1.SGM 28SEN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nN\nV\nT\nP\nS\n5\nK\nS\nD\nn\no\n\ns\nt\nr\ne\nb\no\nr\ns\n\n60034\n\nFederal Register / Vol. 76, No. 188 / Wednesday, September 28, 2011 / Notices\n\ndisclosure of ‘‘the loan-to-value ratio of\nthe mortgage, which shall reflect any\nsecondary liens on the relevant\nproperty,’’ with respect to the high-cost\nsecuritized loan. Combined LTV (CLTV)\nis the ratio of the total loan amount to\nthe value of the property, with the total\nloan amount consisting of the UPB at\norigination of the first lien and any\nsubordinate liens. Data field 19 in\nNational File C designates the LTV at\norigination, or CLTV where available,\nfor the high-cost securitized loan.\nConsistent with the recoding in National\nFile A, the data will be released in\nNational File C using the following\nvalues: 1 = >0–<=60%; 2 = >60–<=80%;\n3 = >80–<=90%; 4 = >90–<=95%; 5 =\n>95%; 9 = Missing. Both Enterprises\ncurrently collect and report CLTV to\nFHFA and will be required to continue\nreporting this data for purposes of the\nPUDB and comparative analysis in\nsubsequent years.\n"} diff --git a/chunks/json/fbb9e846080ea7d1706b2792575d24977ac1a045f0cab700b60a916ba6538b75.json b/chunks/json/fbb9e846080ea7d1706b2792575d24977ac1a045f0cab700b60a916ba6538b75.json new file mode 100644 index 0000000000000000000000000000000000000000..e94f8df5372b839e33eae85dfb79629ff1bb8bef --- /dev/null +++ b/chunks/json/fbb9e846080ea7d1706b2792575d24977ac1a045f0cab700b60a916ba6538b75.json @@ -0,0 +1 @@ +{"chunk":{"char_end":172400,"char_start":170551,"chunk_id":"chk_ff2d0d6caa8dfd55","chunk_index":100,"chunk_sha256":"fbb9e846080ea7d1706b2792575d24977ac1a045f0cab700b60a916ba6538b75","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"fbb9e846080ea7d1706b2792575d24977ac1a045f0cab700b60a916ba6538b75","token_estimate":462,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"A permanent structure leading out from shore into a body of water, typically made of concrete, steel, or treated timbers\nand supported on pillars or girders.\n\nRock or other material set in place to protect shorelines (e.g., shot rock, rock armor, or rubble).\n\nA wall or structure designed to protect shorelines from wave loads and / or to retain soils and prevent erosion.\nSelect this answer only when it is privately owned and maintained, and part of the real estate being valued.\n\nSelect Other to enter an answer that is not in the above list.\nNote: Boathouses must be reported in the Outbuilding section and are not reported here.\n\nAppendix F-1: URAR Reference Guide\n\nPage 66 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nFor each Body of Water with Private Access\n\nIndicate which bodies of water from above (Body of Water Type (4.027)) have private access from the property,\neither through a community buffer or exclusive to the property. If there are multiple bodies of water with\nprivate access, each displays in a separate row in the Water Frontage with Private Access table.\n\nSite: Information for Each Body of Water with Private Access\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n4.034\n\nFrontage\n\nIf applicable\n\nDefinition / Additional Guidance\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nBay\nCanal\nCove\nCreek\nGulf\nLake\n\nBody of Water Type\n•\n•\n•\n•\n•\n•\n• Marsh\n•\nOcean\n•\nPond\n•\nReservoir\n•\nRiver\n•\nSound\n•\nOther (Describe)\n\nNotes:\n•\n•\n\nBody of Water Type redisplays from 4.027.\nPhotos or images for all water frontage with private access must be\nprovided, which display in Site Exhibits with the caption “Water\nFrontage”. An additional caption must be provided, including the water\nfrontage type(s) and any other descriptive information as appropriate.\n"} diff --git a/chunks/json/fbbb133e01e43f11aa752e53aee0c6b9760009fc348d7f8a1b8a83bfca253108.json b/chunks/json/fbbb133e01e43f11aa752e53aee0c6b9760009fc348d7f8a1b8a83bfca253108.json new file mode 100644 index 0000000000000000000000000000000000000000..8d53b6e84ab0ff12c9f2f8675d188d1ce3556707 --- /dev/null +++ b/chunks/json/fbbb133e01e43f11aa752e53aee0c6b9760009fc348d7f8a1b8a83bfca253108.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8628,"char_start":7077,"chunk_id":"chk_7bc1df7984a652a0","chunk_index":4,"chunk_sha256":"fbbb133e01e43f11aa752e53aee0c6b9760009fc348d7f8a1b8a83bfca253108","date_utc":"2026-01-27T17:47:54+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_676030b0a9cff2d2","text_sha256":"fbbb133e01e43f11aa752e53aee0c6b9760009fc348d7f8a1b8a83bfca253108","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Rulemaking_and_Federal_Register___FHFA_llq98u.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n# Rulemaking and Federal Register\n\nRulemaking is the process we use to create regulations. It is designed to ensure the public is informed of proposed rules, has the opportunity to comment on them, and have access to the rulemaking record.\n\nGive us your comment - visit [Open for Public Comment](/regulation/federal-register?comments=open)\n\n## Rulemaking Process\n"} diff --git a/chunks/json/fbc6365d05726a070c18b90916b8f8179703ea2c7a017ee0e13a4ebc717584d0.json b/chunks/json/fbc6365d05726a070c18b90916b8f8179703ea2c7a017ee0e13a4ebc717584d0.json new file mode 100644 index 0000000000000000000000000000000000000000..a78cece85434c22f11eb90cd2bc7caea74d00b45 --- /dev/null +++ b/chunks/json/fbc6365d05726a070c18b90916b8f8179703ea2c7a017ee0e13a4ebc717584d0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":493276,"char_start":491662,"chunk_id":"chk_f66e31df4dd01af4","chunk_index":280,"chunk_sha256":"fbc6365d05726a070c18b90916b8f8179703ea2c7a017ee0e13a4ebc717584d0","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"fbc6365d05726a070c18b90916b8f8179703ea2c7a017ee0e13a4ebc717584d0","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"2. See PARTI ES / PARTY and @ I DENTIFIER OWNER URI in Section V.\n\n23. 0. 3 – 23. 0. 5 DATA POI NTS FOR PART I ES NOT REQUI RI NG LI CE NSE DATA\n\nThe data points supporting the provision of this data are shown in the table below, using the Real Estate Broker\n(B) column as an example. These same data points are repeated with the applicable values for the Real Estate\nBroker (S) and Settlement Agent columns in the table.\n\nTable 152. Real Estate Broker (B) Contact Information\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0\nData Point |\nAttribute Name\n\nMISMO v3.3.0 Value\n\nNotes\n\n23.1.3 Real Estate Broker\n(B) - Name\n\n…/LEGAL_ENTITY_DE\nTAIL\n\nFullName\n\nOmega Real Estate\nBroker, Inc.\n\nFirst Instance of PARTY (Organization)\n\n23.2.3 Real Estate Broker\n\n(B) - Address\n\n…/ADDRESS\n\nAddressLineText\n\n789 Local Lane\n\nAddressType\n\nMailing\n\nNot shown – data\nclarity\n\nCityName\n\nStateCode\n\nSometown\n\nST\n\nPostalCode\n\n12345\n\nN/A - XML\n\n…/ROLE\n\n@SequenceNumber 5\n\n@xlink:label\n\nPARTY5_ROLE1\n\nUID\n997.031\n\nUID\n997.032\n\n23.0.3 Real Estate Broker\n\n(B)\n\n…/ROLE/REAL_ESTAT\nE_AGENT\n\nRealEstateAgentType Selling\n\n23.0.3 Real Estate Broker\n\n(B)\n\n…/ROLE_DETAIL\n\nPartyRoleType\n\nRealEstateAgent\n\n23.8.3 Email\n\nSecond Instance of PARTY (Contact)\n\n…/INDIVIDUAL/CONT\nACT_POINTS/CONTA\nCT_POINT/CONTACT\n_POINT_EMAIL\n\nContactPointEmailVa\nlue\n\nsam@\nomegare.biz\n\nNot shown –\nrelationships\n\nNot shown -\nrelationships\n\nROF as “Real Estate\nBroker (B)” in\ncolumn heading\n\nROF as “Real Estate\nBroker (B)” in\ncolumn heading\n\nAppendix E: UCD Implementation Guide\n\nPage 231 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n23.0 Contact Information\n"} diff --git a/chunks/json/fbcc51e98d60dd161a66410b85856a70f67f4b4159c954dd1615b5a2791693a8.json b/chunks/json/fbcc51e98d60dd161a66410b85856a70f67f4b4159c954dd1615b5a2791693a8.json new file mode 100644 index 0000000000000000000000000000000000000000..c8150a6964fa58b38a45fe5e41e44893e02f1cf3 --- /dev/null +++ b/chunks/json/fbcc51e98d60dd161a66410b85856a70f67f4b4159c954dd1615b5a2791693a8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":49858,"char_start":47545,"chunk_id":"chk_df3237f82e42efee","chunk_index":29,"chunk_sha256":"fbcc51e98d60dd161a66410b85856a70f67f4b4159c954dd1615b5a2791693a8","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"fbcc51e98d60dd161a66410b85856a70f67f4b4159c954dd1615b5a2791693a8","token_estimate":579,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for costs that are\nnormally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable because the seller pays these costs in virtually all sales\ntransactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third-party\ninstitutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar-for-dollar cost\nof the financing or concession, but the dollar amount of any adjustment should approximate the market’s reaction to the financing or concessions based on\nthe appraiser’s judgment.\n\nH1\n\nStatement of Assumptions and Limiting Conditions\n\nTXC\n\nThe appraiser assumes that the title is good and marketable unless he or she becomes aware of information to the contrary.\n\nTXC\n\nIf the appraiser has included a sketch or floor plan in this appraisal report, it shows the approximate dimensions and is included only to assist\nthe reader in visualizing the property and understanding the appraiser’s determination of its size.\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nTXC\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nThe appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not limited to, floor plans,\nflood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views, property\ndata services, surveys, engineering reports, and property data aggregations. After examination of the data and data sources, the appraiser has\nused only the data he or she considers reliable. The appraiser assumes there are no material omissions in the data relied upon and makes no\nguarantees, express or implied, regarding their accuracy. If the source date is prior to the effective date of the appraisal, the appraiser assumes\nthe property characteristics and supporting information have not changed in the interim.\n"} diff --git a/chunks/json/fbd14193159859536968a3a41f05443c011aefff4c7f2178d6940b1ab964f913.json b/chunks/json/fbd14193159859536968a3a41f05443c011aefff4c7f2178d6940b1ab964f913.json new file mode 100644 index 0000000000000000000000000000000000000000..719b7091f5ca69a241916a6b2c7e89b2a844354d --- /dev/null +++ b/chunks/json/fbd14193159859536968a3a41f05443c011aefff4c7f2178d6940b1ab964f913.json @@ -0,0 +1 @@ +{"chunk":{"char_end":120329,"char_start":118709,"chunk_id":"chk_694e58e10d10e283","chunk_index":70,"chunk_sha256":"fbd14193159859536968a3a41f05443c011aefff4c7f2178d6940b1ab964f913","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"fbd14193159859536968a3a41f05443c011aefff4c7f2178d6940b1ab964f913","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If an Alley exists, at least one of fields 1-115,\n1-116 (values of Property Off Site\nImprovement Ownership Type) should be\nindicated.\nIf an Alley exists, at least one of fields 1-115,\n1-116 (values of Property Off Site\nImprovement Ownership Typ)e should be\nindicated.\n\n118\n\n119\n\n120\n\n121\n\n122\n\n1\n\n1\n\n1\n\n1\n\n1\n\n112\n\nSITE\n\n113\n\nSITE\n\nStreet\nPublic\n\nStreet\nPrivate\n\nProperty Off Site\nImprovement Exists\nIndicator\n\nProperty Off Site\nImprovement Exists\nIndicator\n\n114\n\nSITE\n\nOff-Site Improvements -\nType\nAlley\n\nProperty Off Site\nImprovement\nDescription\n\n115\n\nSITE\n\n116\n\nSITE\n\nAlley\nPublic\n\nAlley\nPrivate\n\nProperty Off Site\nImprovement Exists\nIndicator\n\nProperty Off Site\nImprovement Exists\nIndicator\n\nIndicates that the particular off-site\nimprovement feature specified by\nProperty Off Site Improvement\nFeature Type is present.\nIndicates that the particular off-site\nimprovement feature specified by\nProperty Off Site Improvement\nFeature Type is present.\nA free-form text field used to describe\nthe property off-site improvement\nspecified by Property Off Site\nImprovement Feature Type.\nIndicates that the particular off-site\nimprovement feature specified by\nProperty Off Site Improvement\nFeature Type is present.\nIndicates that the particular off-site\nimprovement feature specified by\nProperty Off Site Improvement\nFeature Type is present.\n\n123\n\n1\n\n117\n\nSITE\n\nFEMA Special Flood\nHazard Area\nYes\n\nGSE FEMA Special\nFlood Hazard Area\nIndicator\n\nIndicates whether any part of the\nsubject parcel is in a FEMA\ndesignated Flood Zone.\n\n124\n\n1\n\n118\n\nSITE\n\nFEMA Special Flood\nHazard Area\nNo\n\nGSE FEMA Special\nFlood Hazard Area\nIndicator\n"} diff --git a/chunks/json/fbd7fca19036b55fb851075c5a3b33241d761562ce9def570c6ac54df58a675e.json b/chunks/json/fbd7fca19036b55fb851075c5a3b33241d761562ce9def570c6ac54df58a675e.json new file mode 100644 index 0000000000000000000000000000000000000000..fd749ecf628dd72991f27a5cf1637cdf353bd1c6 --- /dev/null +++ b/chunks/json/fbd7fca19036b55fb851075c5a3b33241d761562ce9def570c6ac54df58a675e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":50224,"char_start":48380,"chunk_id":"chk_9ee461aa91689bf1","chunk_index":28,"chunk_sha256":"fbd7fca19036b55fb851075c5a3b33241d761562ce9def570c6ac54df58a675e","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"fbd7fca19036b55fb851075c5a3b33241d761562ce9def570c6ac54df58a675e","token_estimate":461,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.pdf/MH1_Appraisal_v1.3.pdf"]},"text":"19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and\ninformation in this appraisal report are true and correct.\n\n20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any\nagreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a\npredetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or\noccurrence of a specific subsequent event (such as approval of a pending mortgage loan application).\n\n21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided\nsignificant real property appraisal assistance.\n\n22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is\nunauthorized and I will take no responsibility for it.\n\nAppraisal Version #3\n\nFannie Mae | Freddie Mac\nSeptember 2024\n\nAppraiser Reference ID\n\n2222-55HG\n\nClient Reference ID BL2345-1234567\n\nUniform Residential Appraisal Report\n\nPage 29 of 30\nPage 29 of 30\n\nCertifications (continued)\n\n23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will\nreceive this appraisal report.\n\n24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject\nto certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that\npertain to disclosure or distribution by me.\n"} diff --git a/chunks/json/fbfe03df2049e40335f2676d11c4e9c89a1e734b0138fbeb3d24f19d7aa790a4.json b/chunks/json/fbfe03df2049e40335f2676d11c4e9c89a1e734b0138fbeb3d24f19d7aa790a4.json new file mode 100644 index 0000000000000000000000000000000000000000..3f87e8c31b77d6b690e9c7bf723e289ea346be1e --- /dev/null +++ b/chunks/json/fbfe03df2049e40335f2676d11c4e9c89a1e734b0138fbeb3d24f19d7aa790a4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":305807,"char_start":304140,"chunk_id":"chk_fb32da4660fce52f","chunk_index":180,"chunk_sha256":"fbfe03df2049e40335f2676d11c4e9c89a1e734b0138fbeb3d24f19d7aa790a4","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"fbfe03df2049e40335f2676d11c4e9c89a1e734b0138fbeb3d24f19d7aa790a4","token_estimate":417,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Unit is an ADU: Indicates whether the unit is considered an accessory dwelling\nunit.\nNotes:\n•\n\nIf Number of ADUs on Subject Property 3.006 is zero, this question does\nnot display.\nIf Number of ADUs on Subject Property is 1 or more, this question displays\nin each instance of Unit Interior to identify which unit is the ADU.\n\n•\n\n10.012\n\nLegally Rentable Required if Unit is an\n\nYes | No\n\nIndicates whether the ADU is legally rentable.\n\n10.013 Data Source\n\nADU is Yes\n\nRequired if Unit is an\nADU is Yes\n\n10.014 Typical for\n\nMarket\n\n10.015\n\nIngress / Egress\n\nRequired if Unit is an\nADU is Yes\n\nRequired if Unit is an\nADU is Yes\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nThe data source(s) that the appraiser used to determine whether the ADU is\nlegally rentable.\n•\n•\n•\n•\n•\n•\n\nAssessor Record\nProperty Owner\nProperty Tenant\nReal Estate Agent\nZoning\nOther (Describe)\n\nYes | No\n\nIndicates whether ADUs are typical for the identified market.\n\nChoose an\nallowable answer\nfrom table (Ingress\n/ Egress)\n\nThe entrance(s) and exit(s) to the ADU.\n•\n•\n•\n\nInterior Access Only\nInterior and Exterior Access\nExterior Access Only\n\n10.016\n\nSeparate Postal\nAddress\n\nRequired if Unit is an\nADU is Yes\n\nYes | No\n\nIndicates whether the ADU has a separate address from other unit(s) on the\nproperty.\n\nAllowable Answer\n\nInterior Access Only\n\nInterior and Exterior Access\n\nUnit Interior: ADU Information - Ingress / Egress (Choose one for the ADU)\n\nDefinition / Additional Guidance\n\nThe ADU can only be accessed from the interior of the structure that it is attached to (has continuous access).\nNote: Do not select this answer for standalone ADUs.\n"} diff --git a/chunks/json/fc0c07bba7d658c3f33ca0c8a42499701a3dfba276e7305c87bb8b0c980012bc.json b/chunks/json/fc0c07bba7d658c3f33ca0c8a42499701a3dfba276e7305c87bb8b0c980012bc.json new file mode 100644 index 0000000000000000000000000000000000000000..c395779fddc08c67f284df3e18e0b49ed498093b --- /dev/null +++ b/chunks/json/fc0c07bba7d658c3f33ca0c8a42499701a3dfba276e7305c87bb8b0c980012bc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":205328,"char_start":203730,"chunk_id":"chk_7dbe1e92f26b2f12","chunk_index":120,"chunk_sha256":"fc0c07bba7d658c3f33ca0c8a42499701a3dfba276e7305c87bb8b0c980012bc","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"fc0c07bba7d658c3f33ca0c8a42499701a3dfba276e7305c87bb8b0c980012bc","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Completion\nInspection\nRepair (includes replacement)\nNone (does not require repair, replacement, completion, or inspection)\n\nThe recommended action for the defect, damage, or deficiency.\n•\n•\n•\n•\nNote:\n•\n\nIf Completion, Inspection, or Repair is reported for any defect, damage, or\ndeficiency\n\no\n\no\n\nThe report must be made subject to the resolution of the item\n(Market Value Condition 26.009 cannot be As Is).\nIf Repair is selected, the estimated cost to repair may be\nprovided in the Reconciliation section.\n\nSite Valuation Methodology\n\nThis subsection enables Opinion of Site Value (and land comparables if applicable) to be included in the URAR\nwhen there is no Cost Approach section. It displays here when Site Value Developed by Appraiser is Yes.\n\nSite: Site Valuation Methodology\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nRequired when there\nis no Cost Approach\nsection\n\nAllowable\nAnswers / Format\n\nYes | No\n\nSite Value and Site Valuation Method\n\nDefinition / Additional Guidance\n\nSite Value Developed by Appraiser\n•\n\nYes (The Site Valuation Methodology subsection is included in the Site\nsection)\nNo (The Site Valuation Methodology subsection is not included in the\nSite section)\n\n•\n\nReport Label\n\nWhen to Include\n\nReport\nField ID\n\n4.105\n\nOpinion of Site\nValue\n\n4.106\n\nPrimary Site\nValuation\nMethod\n\nRequired if Site Value\nDeveloped by\nAppraiser is Yes\n\nRequired if Site Value\nDeveloped by\nAppraiser is Yes\n\nSite Value and Site Valuation Method\n\nAllowable\nAnswers / Format\n\nDollar amount\n\nDefinition / Additional Guidance\n"} diff --git a/chunks/json/fc0c284e914110cfc0b51a612874171e50f8bb92375a0df2c1394976707e3e8b.json b/chunks/json/fc0c284e914110cfc0b51a612874171e50f8bb92375a0df2c1394976707e3e8b.json new file mode 100644 index 0000000000000000000000000000000000000000..090a8ab3ee8b3a7c3f978e0e7506e80f9ed6bf98 --- /dev/null +++ b/chunks/json/fc0c284e914110cfc0b51a612874171e50f8bb92375a0df2c1394976707e3e8b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":30928,"char_start":29325,"chunk_id":"chk_cefbb1fbaf048cc0","chunk_index":18,"chunk_sha256":"fc0c284e914110cfc0b51a612874171e50f8bb92375a0df2c1394976707e3e8b","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"fc0c284e914110cfc0b51a612874171e50f8bb92375a0df2c1394976707e3e8b","token_estimate":401,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nTCH\nTB\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nProperty Address\n\nDwelling(s)\n\nTB-SCA_sub-H1\n\nSubject Property\n\nComparable #\n\nComparable #\n\nComparable #\n\nTB\n\nYear Built\n\nStructure Design\n\nGross Building Finished Area\n\nNoncontinuous\nFinished Area\n\nTownhouse End Unit\n\nTownhouse Back to Back\n\nTownhouse Location\n\nConstruction Method\n\nManufactured Home Width\n\nDwelling Style\n\nTotal Dwelling Volume\n\nWindow Surface Area\n\nFunctional Issues\n\nDisaster Mitigation\n\nHeating\n\nCooling\n\nTB\n\nTB\n\nEnergy Efficient and Green Features\n\nTB-SCA_sub-H1-ADJ\n\nRenewable Energy\nComponent\n\nBuilding Certification\n\nTB\n\nEfficiency Rating\n\nUnit(s)\n\nTB-SCA_sub-H1\n\nTB-B\nTB-B\n\nStructure ID | Unit ID\n\nLocation of ADU\n\nTB\n\nFloor Number\n\nCorner Unit\n\nLevels in Unit\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area Above Grade\n\nFinished Area Above\nGrade (Nonstandard)\n\nUnfinished Area Above\nGrade\n\nFinished Area Below Grade\n\nFinished Area Below Grade\n(Nonstandard)\n\nUnfinished Area\nBelow Grade\n\nFeatures for Individuals\nw/Disabilities\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nTB-SCA_sub-H1\n\nExterior Quality and Condition\n\nTB-SCA_H2\n\nStructure ID\n\nQuality\n\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nWindows\n\nCondition\n\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nWindows\n\nTB\n\nTB-B\n\nTB-B\nTB-I\n"} diff --git a/chunks/json/fc0e0b4b777e5baf1b069a31a0dcf23a7a95ad06c22697f733b7a99bc5618938.json b/chunks/json/fc0e0b4b777e5baf1b069a31a0dcf23a7a95ad06c22697f733b7a99bc5618938.json new file mode 100644 index 0000000000000000000000000000000000000000..ae0d71de8598ee16f583d01f2aa5b466d0e8ecd1 --- /dev/null +++ b/chunks/json/fc0e0b4b777e5baf1b069a31a0dcf23a7a95ad06c22697f733b7a99bc5618938.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8710,"char_start":7069,"chunk_id":"chk_5d1dc8d173148799","chunk_index":4,"chunk_sha256":"fc0e0b4b777e5baf1b069a31a0dcf23a7a95ad06c22697f733b7a99bc5618938","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4cc3cc07fb4fc72c","text_sha256":"fc0e0b4b777e5baf1b069a31a0dcf23a7a95ad06c22697f733b7a99bc5618938","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2024-loan-delivery-release-notes-printable-version.pdf"]},"text":"This credit will be effective for whole loans purchased (“Purchase Ready” status in Loan Delivery) on or after Mar. 1, 2024 to\nFeb. 28, 2025 and for loans delivered into MBS with issue dates on or after Mar. 1, 2024 to Feb. 1, 2025.\n\nLearn more about the HomReady VLIP enhancements: Lender Letter (LL-2024-01) & HomeReady (VLIP) LLPA Credit Job Aid\n\nMar 1, 2024\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\n•\n•\n\n4 new fatal edits for HomeReady VLIP LLPA Credit (see HomeReady VLIP section above)\n3 warning edits to validate Note Rate will move to Fatal (added Jan 22)\n\nMar 4, 2024\nUPDATED\n\nMission Index Values\n\nIn support of the recent updates announced for the Mission Index, Fannie Mae is enhancing Loan Delivery with data to help\nlenders optimize MBS pooling based on the Mission Index values.\n\nThe new Mission Index values – Mission Criteria Share and Mission Density Score – will be added under a new Mission Index\nsection within the Pool Statistics tab on the Pool Details screen. For Fannie Majors® pools, the scores displayed apply to the\nMajor piece and not the entire Major pool.\n\nThe Loan Level Data CSV Export file will be updated to add the Loan Mission Score, Mission Density Score, and Mission\nCriteria Share values to the end of the report.\n\nNote: The update to the Mission Index Methodology will be effective on March 1, 2024.\n\nBefore March 1: The Mission Index scores displayed in Loan Delivery before March 1 are indicative. Any loans\nclosed/purchase ready before March 1 will use the prior version of the methodology.\n"} diff --git a/chunks/json/fc1194bd5b0f5ee4219cf25de5f5f0dbca34b386eca615b7cb8550351d7e3165.json b/chunks/json/fc1194bd5b0f5ee4219cf25de5f5f0dbca34b386eca615b7cb8550351d7e3165.json new file mode 100644 index 0000000000000000000000000000000000000000..0a6aeee52ab60518a6c76e3d12408ddc15749443 --- /dev/null +++ b/chunks/json/fc1194bd5b0f5ee4219cf25de5f5f0dbca34b386eca615b7cb8550351d7e3165.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10312,"char_start":8706,"chunk_id":"chk_7925282f08f73a87","chunk_index":5,"chunk_sha256":"fc1194bd5b0f5ee4219cf25de5f5f0dbca34b386eca615b7cb8550351d7e3165","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_24dcc01c1b7ecdb9","text_sha256":"fc1194bd5b0f5ee4219cf25de5f5f0dbca34b386eca615b7cb8550351d7e3165","token_estimate":467,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/_Examiner_Resources___FHFA_i7w1o.md"]},"text":"**FHFA Policy Statement on Supervisory and Regulatory Access to Regulated Entity Privileged and Confidential Information**\n\nFHFA expects that regulated entities will produce all FHFA requested information and data notwithstanding privileges or other protections the regulated entity attaches to the information and data. Production to FHFA is compulsory and enforceable with administrative sanctions.\n\n[Policy Statement](/document/policy-statement)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"} diff --git a/chunks/json/fc20534a374ca81678c2d41756ea2799c47804ca87978b00761b5011c43f7803.json b/chunks/json/fc20534a374ca81678c2d41756ea2799c47804ca87978b00761b5011c43f7803.json new file mode 100644 index 0000000000000000000000000000000000000000..33e9bb8bcafd78278a5fc46e2b3c7ad664dba8d5 --- /dev/null +++ b/chunks/json/fc20534a374ca81678c2d41756ea2799c47804ca87978b00761b5011c43f7803.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26855,"char_start":25252,"chunk_id":"chk_062ad863d0acf193","chunk_index":15,"chunk_sha256":"fc20534a374ca81678c2d41756ea2799c47804ca87978b00761b5011c43f7803","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"fc20534a374ca81678c2d41756ea2799c47804ca87978b00761b5011c43f7803","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.pdf/Coop1_Appraisal_v1.3.pdf"]},"text":"700 New Haven Ave, NW\nUnit 308\nWashington, DC 20001\n\n700 New Haven Ave, NW\nUnit 920\nWashington, DC 20001\n\n702 New Haven Ave, NW\nUnit 514\nWashington, DC 20001\n\n2700 President Ave, NW\nUnit 1234\nWashington, DC 20001\n\nSale Date\n07/24/2019\n\nStatus\nSettled Sale\n\nReason Not Used\nFinished Area\n\nComment\nThe unit is much smaller than the subject.\n\n07/31/2019\n\nSettled Sale\n\nDated Sale\n\n08/02/2019\n\nSettled Sale\n\n07/14/2019\n\nSettled Sale\n\n08/10/2019\n\nSettled Sale\n\nBathroom Count\nBedroom Count\nFinished Area\n\nBathroom Count\nBedroom Count\nFinished Area\n\nFinished Area\nWater View\n\nMore recently sold comparable properties were\navailable.\n\nThis unit has more bathrooms and bedrooms\nthan the subject; it’s also a larger unit.\n\nThis unit has more bathrooms and bedrooms\nthan the subject; it’s also a larger unit.\n\nThis unit has a water view of the river and is\nlarger in size when compared to the subject.\n\nAppraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 14 of 18\nPage 14 of 18\n\nSales Comparison Approach (continued)\n\nNew Pg\n\nSales Comparison Map\n\nAppraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 15 of 18\nPage 15 of 18\n\nSales Comparison Approach (continued)\n\nNew Pg\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nAppraisal Summary\n\nContract Price\nOpinion of Market Value\n"} diff --git a/chunks/json/fc2502334fe579b4b0b74663dfb5f8eab25f3a812402dd847e7a3fbe7b7df56d.json b/chunks/json/fc2502334fe579b4b0b74663dfb5f8eab25f3a812402dd847e7a3fbe7b7df56d.json new file mode 100644 index 0000000000000000000000000000000000000000..6d995f17b11e5006533f2fbde58996e22e0e5572 --- /dev/null +++ b/chunks/json/fc2502334fe579b4b0b74663dfb5f8eab25f3a812402dd847e7a3fbe7b7df56d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":356024,"char_start":354382,"chunk_id":"chk_ad4914d7c492b965","chunk_index":197,"chunk_sha256":"fc2502334fe579b4b0b74663dfb5f8eab25f3a812402dd847e7a3fbe7b7df56d","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"fc2502334fe579b4b0b74663dfb5f8eab25f3a812402dd847e7a3fbe7b7df56d","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Streamlined PERS Submission Process—For Established Projects\n\nOverview\n\nPERS is a review method available to lenders to submit new, newly converted, and established projects to Fannie Mae to\ndetermine eligibility. Some projects must be submitted to PERS while a PERS submission is optional for other projects, as shown\nin the table below.\n\nStandard PERS Process\n\nStreamlined PERS Process\n\nRequired for:\n\nRequired for:\n\n•\n\n•\n\nestablished condo projects consisting of single-\nsection manufactured homes; and\nestablished condo or established PUD projects\nconsisting of manufactured homes subject to a\ncommunity land trust, deed restriction, ground\nlease, or shared equity arrangement.\n\nOptional for:\n\n•\n\nestablished condo projects.\n\n• new condo projects consisting of manufactured\nhomes (including those subject to a community\nland trust, deed restrictions, ground lease, or\nshared equity arrangement);\n\n• new PUD projects consisting of manufactured\nhomes subject to a community land trust, deed\nrestriction, ground lease, or shared equity\narrangement;\n\n• newly converted non-gut rehabilitation condo\nand co-op projects with attached units that\ncontain more than four units;\n\n• new and newly converted condo projects\n\n•\n\nconsisting of attached units located in Florida;\nand\nlimited or shared equity co-op projects, provided\nthe limited or shared equity provisions are\ndesigned to preserve or promote access to\naffordable housing.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 138 of 166\n\nUAD 3.6 Policy\n\nOptional for:\n\nStandard PERS Process\n\nStreamlined PERS Process\n\n•\n\nall other new or newly converted condo\nprojects not listed above.\n"} diff --git a/chunks/json/fc36d733eca33c9d7c95ba297154415aa7859b52790bd850dd209f71f94264a9.json b/chunks/json/fc36d733eca33c9d7c95ba297154415aa7859b52790bd850dd209f71f94264a9.json new file mode 100644 index 0000000000000000000000000000000000000000..c7d21c4ea7db2cd663fd88a5800d6d77530ba913 --- /dev/null +++ b/chunks/json/fc36d733eca33c9d7c95ba297154415aa7859b52790bd850dd209f71f94264a9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4916,"char_start":3298,"chunk_id":"chk_7af3c6ffd19029dd","chunk_index":2,"chunk_sha256":"fc36d733eca33c9d7c95ba297154415aa7859b52790bd850dd209f71f94264a9","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"fc36d733eca33c9d7c95ba297154415aa7859b52790bd850dd209f71f94264a9","token_estimate":405,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Version Change #\n\niGuide Chapter\n\nRevision Description\n\nPage 4\n\n2024-028 Header and Footer\n\nUpdated DocumentFormIssuingEntityVersionIdentifier\n\n2024-023\n\n01 Summary\n\n2024-002\n\n02 Assignment\nInformation\n\n2024-002\n\n04 Site\n\nClarified display rule when there are multiple values for\nConstructionMethodType (FID: 1.012)\n\nCorrected typo UID 1000.0016 should be 1000.0116\n\nUID 1500.0247 should be 1500.0091\n\nClarified display rules if there are multiple values for ParcelSeparatorType\n\n2024-012\n\n04 Site\n\nCorrected display rule for Site Valuation Methodology subsection\n\n2024-040\n\n08 Dwelling Exterior\n\nClarified display rules if there are multiple values in Mechanical System\nDetails\n\n9/17/2024\n\n1.2\n\n2024-002\n\n09 Manufactured\nHome\n\nCorrected typo in data point names for Retailer’s Invoice Reviewed and\nManufacturer’s Invoice Reviewed\n\n2024-013\n\n10 Unit Interior\n\n2024-054\n\n10 Unit Interior\n\n2024-034\n\n10 Unit Interior\n\n25 Cost Approach\n\nProvided guidance for Room Summary in the Level and Room Detail table\n\n(FID: 10.033)\n\nCorrected display rule for UnitBelowGradeUnfinishedAreaMeasure (UID:\n0700.0144, FID: 10.008)\n\nRemoved square meters from Area Size, Replacement or Reproduction Cost\nper Unit of Measure, and Finished Above Grade\n\n2024-045\n\n14 Subject Property\nAmenities\n\nClarified display rules if there are multiple values in\nSwimmingPoolFeatureType\n\n2024-046\n\n14 Subject Property\nAmenities\n\nCorrected conditionality for Subject Property Amenity Exhibits\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nDate\n\nVersion Change #\n\niGuide Chapter\n\nRevision Description\n\nPage 5\n\n2024-002\n\n15 Overall Quality and\nCondition\n"} diff --git a/chunks/json/fc3864c675826140f235e11693ec9bdc663876e3364336c2367d92f48cb0528a.json b/chunks/json/fc3864c675826140f235e11693ec9bdc663876e3364336c2367d92f48cb0528a.json new file mode 100644 index 0000000000000000000000000000000000000000..c13e5dfc316cc3e44c8992be41e2d616f78ccd5b --- /dev/null +++ b/chunks/json/fc3864c675826140f235e11693ec9bdc663876e3364336c2367d92f48cb0528a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14811,"char_start":12209,"chunk_id":"chk_4c28d39dd4f0160b","chunk_index":7,"chunk_sha256":"fc3864c675826140f235e11693ec9bdc663876e3364336c2367d92f48cb0528a","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a2c65539e863252b","text_sha256":"fc3864c675826140f235e11693ec9bdc663876e3364336c2367d92f48cb0528a","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Budget__Finances__and_Performance___FHFA_t7yo7r.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/851\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/fc3adf967ce58428cc9e4e1b57b191d04e3d1ff9008893e5af3959ceafe54e06.json b/chunks/json/fc3adf967ce58428cc9e4e1b57b191d04e3d1ff9008893e5af3959ceafe54e06.json new file mode 100644 index 0000000000000000000000000000000000000000..92dd1ff17da3f92b5568deb4808c79135b2430e7 --- /dev/null +++ b/chunks/json/fc3adf967ce58428cc9e4e1b57b191d04e3d1ff9008893e5af3959ceafe54e06.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3385,"char_start":1620,"chunk_id":"chk_5ca97e08016852c0","chunk_index":1,"chunk_sha256":"fc3adf967ce58428cc9e4e1b57b191d04e3d1ff9008893e5af3959ceafe54e06","date_utc":"2026-01-27T18:07:55+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d5a90acce2e4362f","text_sha256":"fc3adf967ce58428cc9e4e1b57b191d04e3d1ff9008893e5af3959ceafe54e06","token_estimate":442,"warnings":["source_path=Appendix C-3 Completion Report Layout/_.pdf/Appendix C-3 Completion Report without Report Field IDs v1.2.pdf"]},"text":"Feature\n\nLocation\n\nDescription\n\nAffects Soundness\nor Structural\nIntegrity\n\nRecommended\nAction\n\nInspection Date\n\nCompletion Status\n\nIs construction complete?\nWas construction completed in a manner consistent with the original plans and\nspecifications?\n\nYes No\n \n \n\nFeature\n\nLocation\n\nComparison to Original\nPlans/Specs\n\nComment\n\nCompletion Report Commentary\n\nCompletion Report Exhibits\n\nAssignment Information\n\nBorrower Name\n\nAppraiser Fee\nAMC Fee\nGovernment Agency\nInvestor Requested Special Identification\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Completion Report Page [Page] of [Pages]Completion Version #Fannie Mae | Freddie Mac September 2024\n\nContact Information\n\n[Role]/[Role]\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nSupervisory Appraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\nScope of Inspection by Supervisory Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nAssignment Information and Scope of Work Commentary\n\nCredentials\n\nID\nState\nExpires\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nASC Identifier\nVA Appraiser ID\nFHA Appraiser ID\nEmployment Type\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nASC Identifier\nVA Appraiser ID\nFHA Appraiser ID\nEmployment Type\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Completion Report Page [Page] of [Pages]Completion Version #Fannie Mae | Freddie Mac September 2024\n\nIntended Use\n\nThe intended use of this certification of completion is for the lender/client to confirm that the requirements or conditions stated in the\nappraisal report referenced above have been met.\n"} diff --git a/chunks/json/fc3e3ffcf090b6f48350adc9a4c187a3dbe4bbe8ba29ff5079b4757e5d4431b5.json b/chunks/json/fc3e3ffcf090b6f48350adc9a4c187a3dbe4bbe8ba29ff5079b4757e5d4431b5.json new file mode 100644 index 0000000000000000000000000000000000000000..add66f7a485c1caa39ce4cb02e1ef8a11ea4e0da --- /dev/null +++ b/chunks/json/fc3e3ffcf090b6f48350adc9a4c187a3dbe4bbe8ba29ff5079b4757e5d4431b5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":511816,"char_start":510009,"chunk_id":"chk_866282a47f3c66db","chunk_index":295,"chunk_sha256":"fc3e3ffcf090b6f48350adc9a4c187a3dbe4bbe8ba29ff5079b4757e5d4431b5","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"fc3e3ffcf090b6f48350adc9a4c187a3dbe4bbe8ba29ff5079b4757e5d4431b5","token_estimate":452,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Page 21 of 23\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n\nScope of Work\n\nThe scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,\nthe intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the\napplicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject\nproperty; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property\nreported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.\n\nIntended Use\n\nThe intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the\nsubject of this appraisal for a mortgage finance transaction or related activities.\n"} diff --git a/chunks/json/fc402159f75803543cc5d3c440dad3ed6e5b18e73457901e2a38e4a244ea49af.json b/chunks/json/fc402159f75803543cc5d3c440dad3ed6e5b18e73457901e2a38e4a244ea49af.json new file mode 100644 index 0000000000000000000000000000000000000000..73953e706baa05664f84dc036e04f23f5c8c5c22 --- /dev/null +++ b/chunks/json/fc402159f75803543cc5d3c440dad3ed6e5b18e73457901e2a38e4a244ea49af.json @@ -0,0 +1 @@ +{"chunk":{"char_end":61105,"char_start":60350,"chunk_id":"chk_c8177d6c5994fe74","chunk_index":63,"chunk_sha256":"fc402159f75803543cc5d3c440dad3ed6e5b18e73457901e2a38e4a244ea49af","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"fc402159f75803543cc5d3c440dad3ed6e5b18e73457901e2a38e4a244ea49af","token_estimate":475,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:19)(cid:62)(cid:57)(cid:65)(cid:35)(cid:68)(cid:35)(cid:38)(cid:54)(cid:45)(cid:1)(cid:76)\n\n(cid:1)(cid:2)\n\n(cid:1)(cid:2)\n\n(cid:19)(cid:62)(cid:57)(cid:65)(cid:35)(cid:68)(cid:35)(cid:38)(cid:54)(cid:45)(cid:1)(cid:76)\n\n(cid:1)(cid:2)\n\n(cid:17)(cid:66)(cid:66)(cid:69)(cid:36)(cid:52)(cid:71)(cid:36)(cid:55)(cid:76)(cid:33)(cid:46)(cid:69)(cid:71)(cid:52)(cid:63)(cid:60)(cid:2)(cid:76) (cid:25)(cid:23)(cid:3)(cid:5)(cid:5)(cid:8)(cid:76)\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n"} diff --git a/chunks/json/fc4895e027aef77e067a767208d8a90228dab0603d3a0201427a66eb95ca0b5f.json b/chunks/json/fc4895e027aef77e067a767208d8a90228dab0603d3a0201427a66eb95ca0b5f.json new file mode 100644 index 0000000000000000000000000000000000000000..ba973fc4e954e9a798274cd200d7e270a8cc1aa8 --- /dev/null +++ b/chunks/json/fc4895e027aef77e067a767208d8a90228dab0603d3a0201427a66eb95ca0b5f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12950,"char_start":11321,"chunk_id":"chk_f5fb0307da54474f","chunk_index":7,"chunk_sha256":"fc4895e027aef77e067a767208d8a90228dab0603d3a0201427a66eb95ca0b5f","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"fc4895e027aef77e067a767208d8a90228dab0603d3a0201427a66eb95ca0b5f","token_estimate":407,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.pdf/SF4_Appraisal_v1.3.pdf"]},"text":"Quality Comment\nQuality meets market\nexpectations for this type of\ndwelling.\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\nNo damage or condition\nissues noted.\n\nFoundation\n\nPoured Concrete | Basement\n\nTypical Wear and Tear\n\nRoof\n\nWindows\n\nComposition\nEstimated Age: 10-20 years\n\nThermal Double Hung and\nsome Casement Windows\n\n25 year rated shingles\n\nTypical Wear and Tear\n\nBrand Y Windows\n\nNew or Like New\n\nFoundation appears\nsound with typical hairline\nsettlement cracks.\n\nNo apparent signs of damage\nor leaks.\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nCentralized\n\nDetail\nElectric\n\nCore Heating System Below Grade\n\nYes No\n \n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\nNone\n\nDwelling Exterior Commentary\n\nThe exterior was recently painted, and new windows, shutters, and doors were installed.\n\nDwelling Exterior Exhibits\n\nDwelling Rear\n\nSide View\n\nThis is where the Dwelling Rear photo would display.\n\nThis is where the Dwelling Side photo would display.\n\nUnit Interior - Primary Dwelling\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\n3,304 Sq. Ft.\n0 Sq. Ft.\n640 Sq. Ft.\n616 Sq. Ft.\nAssessor Record\nMLS\nPhysical Measurement\n\nBelow Grade Finish Compared\nto Above\n\nSimilar\n\nADU\n\nYes No\n \n\nLevels in Unit\nFloor Number\nOccupancy\nUtilities Separately Metered\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n3\n1st Floor\nVacant\nNo\n5\n3\n1\n\nAppraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/fc49815ee8e2d0484c98b49493653adcd7e96e11a1afddd01ba8cb8be83cad44.json b/chunks/json/fc49815ee8e2d0484c98b49493653adcd7e96e11a1afddd01ba8cb8be83cad44.json new file mode 100644 index 0000000000000000000000000000000000000000..f8c78878552d788187b3fd0873c57aa7f6724a3e --- /dev/null +++ b/chunks/json/fc49815ee8e2d0484c98b49493653adcd7e96e11a1afddd01ba8cb8be83cad44.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10260,"char_start":319,"chunk_id":"chk_857bc35d685d4967","chunk_index":1,"chunk_sha256":"fc49815ee8e2d0484c98b49493653adcd7e96e11a1afddd01ba8cb8be83cad44","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bfc6a9e859d5b23f","text_sha256":"fc49815ee8e2d0484c98b49493653adcd7e96e11a1afddd01ba8cb8be83cad44","token_estimate":1273,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_ubpw4r.md","exceeds_max_chunk_chars_truncated"]},"text":"Toggle navigation - - [Home](https://www.fanniemae.com/)\n - [Single-Family Business](/) Toggle - [Originating & Underwriting](/originating-underwriting)\n - [Pricing & Execution](/pricing-execution)\n - [Delivering](/delivering)\n - [Servicing](/servicing)\n - [Learning Center](/learning-center)\n - [Apps & Technology](/applications-technology/applications-technology)\n - [News & Events](/news-events)\n - [Become a Partner](/become-fannie-mae-seller-or-servicer)\n - [Multifamily Business](https://multifamily.fanniemae.com/)\n - [Capital Markets](https://capitalmarkets.fanniemae.com/)\n - [Homebuyers, Owners, and Renters](https://yourhome.fanniemae.com/)\n - - [Our Company]()\n - [About Us](https://www.fanniemae.com/about-us) Toggle - [Who We Are](https://www.fanniemae.com/about-us/who-we-are) Toggle - [Awards and Recognition](https://www.fanniemae.com/about-us/who-we-are/awards-and-recognition)\n - [Employee Code of Conduct](https://www.fanniemae.com/about-us/who-we-are/employee-code-conduct)\n - [Community Engagement](https://www.fanniemae.com/about-us/who-we-are/community-engagement)\n - [History](https://www.fanniemae.com/about-us/who-we-are/history)\n - [What We Do](https://www.fanniemae.com/about-us/what-we-do) Toggle - [Fannie Mae Today](https://www.fanniemae.com/about-us/what-we-do/fannie-mae-today)\n - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve) Toggle - [Manufactured Housing](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/manufactured-housing)\n - [Affordable Housing Preservation](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/affordable-housing-preservation)\n - [Rural Housing](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/rural-housing)\n - [Research Initiatives](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/research-initiatives)\n - [Heirship](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/heirship)\n - [Colonias Investment Areas](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/colonias-investment-areas-research)\n - [Supporting Native American homeownership](https://www.fanniemae.com/about-us/what-we-do/duty-serve/native-american-homeownership)\n - [Homeownership](https://www.fanniemae.com/about-us/what-we-do/homeownership) Toggle - [Access to Mortgage Credit](https://www.fanniemae.com/about-us/what-we-do/homeownership/access-mortgage-credit)\n - [Restrictive Covenants](https://www.fanniemae.com/about-us/what-we-do/homeownership/restrictive-covenants)\n - [Innovation](https://www.fanniemae.com/about-us/what-we-do/innovation)\n - [Financial Performance](https://www.fanniemae.com/about-us/what-we-do/financial-performance)\n - [Disaster Resiliency and Response](https://www.fanniemae.com/about-us/what-we-do/disaster-resiliency-and-relief)\n - [Pilot Transparency](https://www.fanniemae.com/about-us/what-we-do/pilot-transparency)\n - [Positive Rent Payment Reporting](https://www.fanniemae.com/about-us/what-we-do/positive-rent-payment-reporting)\n - [Leadership Team](https://www.fanniemae.com/about-us/fannie-mae-leadership-team)\n - [Corporate Governance](https://www.fanniemae.com/about-us/corporate-governance) Toggle - [Corporate Governance Guidelines](https://www.fanniemae.com/about-us/corporate-governance/corporate-governance-guidelines)\n - [Fannie Mae Charter](https://www.fanniemae.com/about-us/corporate-governance/fannie-mae-charter)\n - [Board of Directors](https://www.fanniemae.com/about-us/corporate-governance/board-directors)\n - [Committees](https://www.fanniemae.com/about-us/corporate-governance/fannie-mae-board-committees)\n - [Committee Charters](https://www.fanniemae.com/about-us/corporate-governance/board-committee-charters)\n - [Code of Conduct](https://www.fanniemae.com/about-us/corporate-governance/fannie-mae-code-conduct-board-directors)\n - [Bylaws](https://www.fanniemae.com/about-us/corporate-governance/bylaws)\n - [Contacting the Board of Directors](https://www.fanniemae.com/about-us/corporate-governance/contacting-board-direc\n"} diff --git a/chunks/json/fc564dd7a86b0b7262d5cd9b606f6c7676dc2115a07b883879587db64f5c42f9.json b/chunks/json/fc564dd7a86b0b7262d5cd9b606f6c7676dc2115a07b883879587db64f5c42f9.json new file mode 100644 index 0000000000000000000000000000000000000000..09af4c488db5d7ecafebfa2638462a2d560be812 --- /dev/null +++ b/chunks/json/fc564dd7a86b0b7262d5cd9b606f6c7676dc2115a07b883879587db64f5c42f9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":897911,"char_start":896310,"chunk_id":"chk_9eb6fd5dc4190713","chunk_index":533,"chunk_sha256":"fc564dd7a86b0b7262d5cd9b606f6c7676dc2115a07b883879587db64f5c42f9","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"fc564dd7a86b0b7262d5cd9b606f6c7676dc2115a07b883879587db64f5c42f9","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field is required if the value of field e-\n19 (GSE Below Grade Finish Square Feet\nNumber) is greater than zero.\n\nShould be populated if field 3-44 (Sale Price\nAdjustment Type Other Description) is\npopulated.\n\nShould be populated if field 3-46 (Sale Price\nAdjustment Type Other Description) is\npopulated.\n\nShould be populated if field 3-48 (Sale Price\nAdjustment Type Other Description) is\npopulated.\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nT\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\n363\n\n364\n\n365\n\n366\n\n367\n\n368\n\n369\n\n370\n\n371\n\n372\n\n373\n\n374\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n39\n\n40\n\n41\n\n42\n\n43\n\n44\n\n45\n\n46\n\n47\n\n48\n\n49\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nFunctional Utility\n\nHeating/Cooling\n\nEnergy Efficient Items\n\nGarage/Carport\n\nPorch/Patio/Deck\n\nExtra Item Feature Name\n\nExtra Item Feature Description\n\nExtra Item Feature Name\n\nExtra Item Feature Description\n\nExtra Item Feature Name\n\nExtra Item Feature Description\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 155 of 211\n\nDocument Version 1.4\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\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\n375\n\n376\n\n377\n\n378\n\n379\n\n380\n\n381\n\n382\n\n383\n\n384\n\n385\n\n386\n\n387\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n50\n\n51a\n\n51b\n"} diff --git a/chunks/json/fc56a9f4b9afb8c374a72d7ef44a709d396125e035bc030d60c8a793f6084b8a.json b/chunks/json/fc56a9f4b9afb8c374a72d7ef44a709d396125e035bc030d60c8a793f6084b8a.json new file mode 100644 index 0000000000000000000000000000000000000000..45370b7001848bfae3bd7a3ea1b95f0afa9b86a7 --- /dev/null +++ b/chunks/json/fc56a9f4b9afb8c374a72d7ef44a709d396125e035bc030d60c8a793f6084b8a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6839,"char_start":5093,"chunk_id":"chk_e5c45f66135452a0","chunk_index":3,"chunk_sha256":"fc56a9f4b9afb8c374a72d7ef44a709d396125e035bc030d60c8a793f6084b8a","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1cbc3effda89da20","text_sha256":"fc56a9f4b9afb8c374a72d7ef44a709d396125e035bc030d60c8a793f6084b8a","token_estimate":437,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2018.pdf"]},"text":"Interest Rate\nLoan Amount in Whole Dollars\nFront-end Ratio\nBack-end Ratio\nCredit Scores are separated into ranges: 1 = <620, 2 = 620 to < 660, 3 = 660 < 700, 4 =\n700 < 760, 5 = 760 or greater 9=missing\nCredit Scores are separated into ranges: 1 = <620, 2 = 620 to < 660, 3 = 660 < 700, 4 =\n700 < 760, 5 = 760 or greater, 9 = missing or no co-borrower\nPercent of the original loan balance covered by primary mortgage insurance (PMI)\n0=no PMI\n\nSelf-Employed Indicator\n1=yes;\n2=no\nProperty Type\nPT01=Single family detached;\nPT02=Deminimus PUD;\nPT03=Single Family Attached;\nPT04=Two family;\nPT05=Townhouse;\nPT06=Low-Rise Condominium;\nPT07=PUD;\nPT08=Duplex;\nPT09=three family;\nPT10=Four family;\nPT11=Hi-Rise condominium;\nPT12=Manufactured Home\n\nARM Index\n01=11th District Cost of Funds;\n02=Other Cost of Funds Index;\n03=LIBOR;\n04=1 year Constant Treasury Rate\n99=Not an ARM\nARM Margin\n99999=Not an ARM\nPrepayment Penalty Date\n12/31/9999=No Prepayment Penalty Date\n\nPage 3 of 5\n\nColumn\n\n67 BoEth\n\n68 Race2\n\n69 Race3\n\n70 Race4\n\n71 Race5\n\n72 CoEth\n\n73 CoRace2\n\n74 CoRace3\n\nAMA_PUDB_definitions_2018.xlsx\n\nDefinition\nBorrower Ethnicity\n1 -- Hispanic or Latino\n2 -- Not Hispanic or Latino\n3 -- Information not provided by borrower in mail, Internet, or telephone application\nBorrower Race 2\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n\nBorrower Race 3\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n"} diff --git a/chunks/json/fc584dd3e36c60d5300c17752eb3cd9ffb3a567550e0fc19910cbd3c532ade32.json b/chunks/json/fc584dd3e36c60d5300c17752eb3cd9ffb3a567550e0fc19910cbd3c532ade32.json new file mode 100644 index 0000000000000000000000000000000000000000..eb3379883eb4b8dc52ebc08643f8f52efa6298cd --- /dev/null +++ b/chunks/json/fc584dd3e36c60d5300c17752eb3cd9ffb3a567550e0fc19910cbd3c532ade32.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1718,"char_start":0,"chunk_id":"chk_1573406f94fa422f","chunk_index":0,"chunk_sha256":"fc584dd3e36c60d5300c17752eb3cd9ffb3a567550e0fc19910cbd3c532ade32","date_utc":"2026-01-27T17:54:23+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_cb1e330575927e23","text_sha256":"fc584dd3e36c60d5300c17752eb3cd9ffb3a567550e0fc19910cbd3c532ade32","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Fannie_Mae___Freddie_Mac_Private_Mortgage_Insurer__kfezpq.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/pmiers\"\ndate_accessed: \"2026-01-27T17:54:20.329Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot 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Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/fc5d604fd90de9bed6d5c4b09c66b5e0c472b1226f5a2a4112c4163c77eb104e.json b/chunks/json/fc5d604fd90de9bed6d5c4b09c66b5e0c472b1226f5a2a4112c4163c77eb104e.json new file mode 100644 index 0000000000000000000000000000000000000000..c44d05909d4069204c84e7ae2f2066e12a562b7e --- /dev/null +++ b/chunks/json/fc5d604fd90de9bed6d5c4b09c66b5e0c472b1226f5a2a4112c4163c77eb104e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":300183,"char_start":297931,"chunk_id":"chk_9e4d151b4c663fe2","chunk_index":165,"chunk_sha256":"fc5d604fd90de9bed6d5c4b09c66b5e0c472b1226f5a2a4112c4163c77eb104e","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"fc5d604fd90de9bed6d5c4b09c66b5e0c472b1226f5a2a4112c4163c77eb104e","token_estimate":563,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Step\n\nThe appraiser must determine\n\n1\n\nthe fee simple value of the property by using the sales comparison approach to value,\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 113 of 166\n\nUAD 3.6 Policy\n\nStep\n\nThe appraiser must determine\n\n2\n\n3\n\nthe applicable capitalization rate and convert the income from the ground lease into a leased fee value by using\nthe market-derived capitalization rate, and\n\nthe leasehold value by reducing the fee simple value by the leased fee value. (For detailed information related\nto this process, see below.)\n\nNote: When this technique is used, there is no need to indicate the land value of the security property in the appraisal report.\n\n• On the appraisal report, the appraiser must\n\nindicate “leasehold” as the property rights appraised,\n\no\no provide the applicable ground rent paid to the community land trust,\no\n\nshow the estimated fee simple value for the property in the Indicated Value by Sales Comparison Approach field\nin the appraisal report, and\nreport the “leasehold value” in the Alternate Opinion of Value field in the appraisal report\n\no\n\nComparable Selection Requirements for Determining Fee Simple Value\n\nIn determining the fee simple value of the subject property, the appraiser must use comparable sales of similar properties that\nare owned as fee simple estates. If this is not possible, the appraiser may use sales of properties that are subject to other types of\nleasehold estates as long as they make appropriate adjustments, based on the terms of their leases, to reflect a fee simple\ninterest.\n\nWhen the neighborhood or market area has sales activity for other leasehold estates held by a community land trust, the\nappraiser must discuss them in the appraisal report, but must not use them as comparable sales because, in all likelihood, the\nsales prices will have been limited by restrictions in the ground lease. Therefore, these sales transactions would not be\ncomparable to the hypothetical condition that the property rights being appraised are the leasehold interest without the resale\nand other restrictions on which Fannie Mae requires the appraisal of the subject property to be based. See SB4-1.3-08,\nComparable Sales, for general requirements regarding comparable selection.\n"} diff --git a/chunks/json/fc781a5d148d5be9b1fbdd3e2b8ecf4c6a6a60ecc4ca7dc220781d86728cd8cd.json b/chunks/json/fc781a5d148d5be9b1fbdd3e2b8ecf4c6a6a60ecc4ca7dc220781d86728cd8cd.json new file mode 100644 index 0000000000000000000000000000000000000000..6abfd5809fd3e18d9ea71f3f4c5c6852e28e86f9 --- /dev/null +++ b/chunks/json/fc781a5d148d5be9b1fbdd3e2b8ecf4c6a6a60ecc4ca7dc220781d86728cd8cd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":795859,"char_start":794258,"chunk_id":"chk_e58d744f665ca029","chunk_index":474,"chunk_sha256":"fc781a5d148d5be9b1fbdd3e2b8ecf4c6a6a60ecc4ca7dc220781d86728cd8cd","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"fc781a5d148d5be9b1fbdd3e2b8ecf4c6a6a60ecc4ca7dc220781d86728cd8cd","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"sq. ft. finished area = 900 sq. ft.) regardless of usage.\n\n• Heating is reported in the outbuilding Detail subsection (checkboxes), in addition to utilities.\n•\n\nIn the Outbuilding Area table, the finished and unfinished area not related to vehicle storage is reported,\nalong with the full bath.\n\no Area detail for the 2-car garage is reported in Vehicle Storage and not in the Outbuilding Area table.\n\nAppendix F-1: URAR Reference Guide\n\nPage 365 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 4: Detached Garage Examples\n\nVehicle Storage\n\nOnly the area and details that are specific to the subject’s driveway and garage are reported in this section.\n\nSales Comparison Approach\n\nIn this example, Comparable #1 has a multipurpose outbuilding with 550 sq. ft. of GBA that includes:\n• 400 sq. ft. 2-car garage\n• 150 sq. ft. unfinished area (shed)\nThe outbuilding is not heated.\nOutbuilding Type is selected as Other, and described as Shed/Garage.\n\nVehicle Storage Subsection\n\nInformation about the subject property’s garage populates from the Vehicle Storage section. If the subject or\ncomparable(s) have additional features that impact value and/or marketability, dynamic rows are utilized to\nsupport adjustments and conclusions.\n\nIn this example:\n• None of the comparables have additional features impacting value and/or marketability, so no dynamic\n\nrows were needed.\n\n• There are no measurable differences between the vehicle storage for the subject and Comparable #1, so no\n\nadjustment is made.\n\nAppendix F-1: URAR Reference Guide\n\nPage 366 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n"} diff --git a/chunks/json/fc80f8fc494675ade3ba536f0adf7c1edd594218014c72c70ff6a789d18b7b9a.json b/chunks/json/fc80f8fc494675ade3ba536f0adf7c1edd594218014c72c70ff6a789d18b7b9a.json new file mode 100644 index 0000000000000000000000000000000000000000..4b7c74ebbf3647c914fe679c1cb4d59b750428ef --- /dev/null +++ b/chunks/json/fc80f8fc494675ade3ba536f0adf7c1edd594218014c72c70ff6a789d18b7b9a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6723,"char_start":5069,"chunk_id":"chk_bc12e23bdf7376ab","chunk_index":3,"chunk_sha256":"fc80f8fc494675ade3ba536f0adf7c1edd594218014c72c70ff6a789d18b7b9a","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e76a6c2fd086fb77","text_sha256":"fc80f8fc494675ade3ba536f0adf7c1edd594218014c72c70ff6a789d18b7b9a","token_estimate":414,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.pdf/SF1_Appraisal_v1.3.pdf"]},"text":"Contact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraisal Management Company\n\nCompany Name\n\nCompany Address\n\nAppraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\nDEF Bank\n200 Elm St\nAnytown, VA 12346\n\nXYZ Appraisal Management\nCompany\n300 Maple Ave\nAnytown, VA 12345\n\nAgatha Appraiser\nSRA\nABC Appraisal Co.\n123 Main St\nAnytown, VA 12345\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nCertified Residential\nXYZ12345\nVA\n10/10/2020\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n09/20/2019\n\nSignificant Real Property Appraisal Assistance\n\nName\n\nAndrew Appraiser\n\nCredentials\n\nLevel\n\nNone\n\nDescription Andrew Appraiser, a trainee appraiser, filled out the Market section, provided the Market Analysis, assisted in measuring\nproperty, and did an exterior inspection of the comparables from the street.\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n123 Falling Tree Ct\nTreeville, VA 12345\nArboreal\nSunnyside\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nDetached\n1\n0\nNo\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nProperty on Native American Lands\nSubject Site Owned in Common\nHomeowner Responsible for all Exterior Maintenance\nof Dwelling(s)\nNew Construction\n\nYes No\n \n \n \n \n \n \n \n\n \n\nCheck #A\n\nOwnership Rights\n\nProperty Rights Appraised\n\nFee Simple\n\nAll Rights Included in Appraisal\n\nYes\n\nLegal Description\n\nLot 53 Sunnyside Subdivision\n\nAppraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/fc83e0e308be1f64c3a53fdd3e810a364ccaf7f7ff9f2bedddf8d0c163d9f1c0.json b/chunks/json/fc83e0e308be1f64c3a53fdd3e810a364ccaf7f7ff9f2bedddf8d0c163d9f1c0.json new file mode 100644 index 0000000000000000000000000000000000000000..7aca2055a00359b9b60e5fed88117171e2d9c4ea --- /dev/null +++ b/chunks/json/fc83e0e308be1f64c3a53fdd3e810a364ccaf7f7ff9f2bedddf8d0c163d9f1c0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":89981,"char_start":88105,"chunk_id":"chk_3efbd0d4b511eb0e","chunk_index":49,"chunk_sha256":"fc83e0e308be1f64c3a53fdd3e810a364ccaf7f7ff9f2bedddf8d0c163d9f1c0","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"fc83e0e308be1f64c3a53fdd3e810a364ccaf7f7ff9f2bedddf8d0c163d9f1c0","token_estimate":469,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Current\n\nNoteDate of Second\nLien\n\nRequired data about the\nfirst lien if a second lien is\nbeing delivered\n\nDate data retrieved\nfrom submitter’s\nsystem\n\nRequired for any of the\nscenarios listed above if\nmore than one\nconcurrently closing lien\nexists on the subject\nproperty\n\niv\n\nBalloon Loans\nthat have Reset\n(For Future\nUse)\n\nv\n\nDelivered\nSecond Lien\n\nvi\n\nConcurrently\nClosing\nSubordinate\nLiens\n\na. Non-Modified Loans\n\nThe majority of the information about the loan will be submitted with a\nLoanStateType of “AtClosing.” This is the data that was valid at the time the loan\nwas closed. A Current LOAN container also must be submitted.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 37 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nFigure IV-8. LOAN Containers Required for Non-Modified\nLoans.\n\nSubject Loan / At Closing\n\nSubject Loan / Current\n\nData about the original\nloan:\n Underwriting Data\n Product Derivation\n Product Features\n Note Terms\n\nLoanStateDate = NoteDate\n\nb. Modified Loans.\n\nData valid at the time of\ndelivery:\n Current Balances, Rates,\nOption Status, Payment\nStatus\n\n MI and Credit\n\nEnhancements\n Escrow Details\n GSE Transaction Details\n Program Identifiers, IFIs\n\nLoanStateDate = Date data\nretrieved from submitter’s\nsystem\n\nIf the loan has been modified prior to delivery, the MortgageModificationIndicator\nwith a value of “true” will be in the “Current” LOAN container as a signal to expect\nthe “AtModification” container as shown in Figure IV-9 below. The business\npartner must deliver all the data about the loan that normally would be submitted\nwith a LoanStateType of “AtClosing”; however, this data must be valid as of the\nloan modification date and therefore must be submitted with a LoanStateType of\n“AtModification.”\n"} diff --git a/chunks/json/fc8c884880daa2e312dad5376812c47f89416eebce90c5f1ac2859ff80e495dc.json b/chunks/json/fc8c884880daa2e312dad5376812c47f89416eebce90c5f1ac2859ff80e495dc.json new file mode 100644 index 0000000000000000000000000000000000000000..e3c1b33a11cd039f73192e175a946308f20a9ca0 --- /dev/null +++ b/chunks/json/fc8c884880daa2e312dad5376812c47f89416eebce90c5f1ac2859ff80e495dc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":29907,"char_start":27693,"chunk_id":"chk_75aad6acfd78a3f5","chunk_index":8,"chunk_sha256":"fc8c884880daa2e312dad5376812c47f89416eebce90c5f1ac2859ff80e495dc","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_96e78a2d28acf23b","text_sha256":"fc8c884880daa2e312dad5376812c47f89416eebce90c5f1ac2859ff80e495dc","token_estimate":553,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__Uniform_Closing_Dataset___Fannie_Mae_dr8d4l.md"]},"text":"The Alternate Form (Regulation Z Model Form H-25(J)) provides a safe harbor model Closing Disclosure that can be provided for transactions that do not involve Sellers, including refinance transactions. The form is abbreviated to omit data that only applies to purchase transactions. If the Alternate Form is provided to the borrower, the corresponding CD PDF must be embedded in the UCD XML file.\n\n**13. May the Model Form be used for Refinance Transactions?**\n\nYes. Although the GSEs prefer that the lender take advantage of the shorter Alternate Form for refinance transactions, the CD Model Form (Regulation Z Model Form H-25(A)) may be used for refinance transactions.\n\nUCD Critical Edits\n\n**14. What is the UCD Critical Edits transition?**\n\nThe GSEs are converting certain data edits in their CD collection solutions from “warning” to “critical/fatal”. The multi-year rollout approach, now in its fourth phase, enforces the UCD Spec conditionality details for selected data points. The enforcement of critical/fatal edits is designed to enhance data quality and consistency for the single-family loans purchased by the GSEs.\n\n**15. How do we prepare for the latest UCD Critical Edits?**\n\nThe GSEs recommend preparing for the Phase 3B Postponed and Phase 4 UCD Critical Edits by referring to the following resources available on the GSEs’ UCD web pages, FannieMae.com and FreddieMac.com:\n\n- UCD v1.5 Critical Edits Matrix − Contains the edits and associated datapoints for all phases; however, certain edits will require transition to UCD v2.0.\n- UCD v2.0 Critical Edits Matrix – Contains any necessary updates to previously implemented Phase 1-3 critical edits, as well as Phase 3B Postponed and Phase 4 edits.\n- Joint GSE UCD Job Aids\n- Customer test environments − Each GSE has provided opportunities for Sellers and software partners/TSPs to test their UCD XML files and resolve potential critical issues prior to the phased releases. •\n- UCD Test Suite of Sample CDs with narrated use cases, and accompanying UCD XML files (formerly Appendices F and G)\n- UCD v2.0 Initiative Readiness Checklists\n**16. When will the implementation timing for Phase 3B Postponed and Phase 4 critical edits be announced?**\n"} diff --git a/chunks/json/fc8fb2d931f0bfabf3f148fe687c9d1f6b60b6246df219c2361292c84cf1df1c.json b/chunks/json/fc8fb2d931f0bfabf3f148fe687c9d1f6b60b6246df219c2361292c84cf1df1c.json new file mode 100644 index 0000000000000000000000000000000000000000..c2920fe61d8d273bb36824b2520b4a44891041e4 --- /dev/null +++ b/chunks/json/fc8fb2d931f0bfabf3f148fe687c9d1f6b60b6246df219c2361292c84cf1df1c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12086,"char_start":10311,"chunk_id":"chk_1bad738f9d1f8a6b","chunk_index":6,"chunk_sha256":"fc8fb2d931f0bfabf3f148fe687c9d1f6b60b6246df219c2361292c84cf1df1c","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7609e8234ff6311f","text_sha256":"fc8fb2d931f0bfabf3f148fe687c9d1f6b60b6246df219c2361292c84cf1df1c","token_estimate":442,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Speeches___FHFA_s62p86.md"]},"text":"​​​​​​Sandra L. Thompson, Director Federal Housing Finance Agency MBA KEYNOTE REMARKS AS PREPARED FOR DELIVERY Monday, October 24, 2022 11:20 AM CT Thank you for that introduction. It’s good to be back at MBA's annual convention. It’s also a great honor to share the stage with my colleagues Alanna...\n - Speech\n\nOctober 21, 2021\n\n## [Prepared Remarks of Sandra L. Thompson, Acting Director of FHFA, at Financial Stability Oversight Council Principals Meeting](/news/speech/prepared-remarks-of-sandra-l.-thompson-acting-director-of-fhfa-at-financial-stability-oversight)\n\n​​​​​Public Remarks as Prepared for Delivery Sandra L. Thompson Acting Director, Federal Housing Finance Agency FINANCIAL STABILITY OVERSIGHT COUNCIL PRINCIPALS MEETING THURSDAY, OCTOBER 21, 2021 Thank you, Madam Chair. I commend the Council for undertaking this important first step toward...\n - Speech\n\nJuly 14, 2021\n\n## [Prepared Remarks of Sandra L. Thompson, Acting Director, FHFA, at FHFA Virtual Listening Session: \"Enterprise Duty to Serve 2022-2024 Proposed Plans: Manufactured Housing\"](/news/speech/prepared-remarks-of-sandra-l.-thompson-acting-director-fhfa-at-fhfa-virtual-listening-session)\n\n​​​​​​Public Remarks as Prepared for Delivery Sandra L. Thompson Acting Director, Federal Housing Finance Agency FHFA Virtual Listening Session: \"Enterprise Duty to Serve 2022-2024 Proposed Plans: Manufactured Housing\" Wednesday, July 14, 2021 Let me thank all our participants in this week's virtual...\n - Speech\n\nJuly 1, 2021\n\n## [Prepared Remarks of Sandra L. Thompson, Acting Director, FHFA, at FHFA Virtual Listening Session: “Closing the Gap to Sustainable Homeownership”](/news/speech/prepared-remarks-of-sandra-l.-thompson-acting-director-fhfa-at-fhfa-virtual-listening-session-0)\n"} diff --git a/chunks/json/fcd48ee624b71c83223dbca3722039380e5955fd38c6e5f3ede601b6251489d2.json b/chunks/json/fcd48ee624b71c83223dbca3722039380e5955fd38c6e5f3ede601b6251489d2.json new file mode 100644 index 0000000000000000000000000000000000000000..7532e4a7498774ba8b41366bdf6f7f68726100f6 --- /dev/null +++ b/chunks/json/fcd48ee624b71c83223dbca3722039380e5955fd38c6e5f3ede601b6251489d2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":188989,"char_start":187328,"chunk_id":"chk_f7403c92de90e910","chunk_index":110,"chunk_sha256":"fcd48ee624b71c83223dbca3722039380e5955fd38c6e5f3ede601b6251489d2","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"fcd48ee624b71c83223dbca3722039380e5955fd38c6e5f3ede601b6251489d2","token_estimate":415,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Required for each\nencroachment\n\n4.061\n\nEncroachment\n(Comment)\n\nRequired for each\nencroachment if\nImpact is Adverse or\nBeneficial, or as\nneeded\n\nSite Characteristics\n\nDefinition / Additional Guidance\n\nEncroachment Direction\n•\n•\n\nBordering Property Encroaching on Subject Property\nSubject Property Encroaching on Bordering Property\n\nWhen Adverse or Beneficial, describe the impact to value and / or\nmarketability. Additional commentary may be provided to include details and\nother information.\n\nThe appraiser must report on all site characteristics that impact the value and marketability and report details as\nnecessary in this subsection.\n\nThere is one Site Characteristic row in the Site Features table for each Site Characteristic. If there are no\nsignificant site characteristics, this row does not display.\n\nExample of multiple site characteristics:\n\nAppendix F-1: URAR Reference Guide\n\nPage 74 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nSite Characteristics\n\nReport\nField ID\n\n4.062\n4.063\n\nReport Label\n\nWhen to Include\n\nSite\nCharacteristic\n(Detail)\n\nRequired for each site\ncharacteristic\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from\ntable (Site\nCharacteristic)\n\n4.063\n\nSite\nCharacteristic\n(Detail)\n\nRequired if Site\nCharacteristic is\nTopography\n\n4.063\n\nSite\nCharacteristic\n(Detail)\n\nRequired if Site\nCharacteristic is\nDrainage\n\n4.064\n\n4.065\n\nSite\nCharacteristic\n(Impact)\n\nSite\nCharacteristic\n(Comment)\n\nRequired for each site\ncharacteristic\n\nRequired for each site\ncharacteristic if Impact\nis Adverse or\nBeneficial, or as\nneeded\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n"} diff --git a/chunks/json/fce557ec1f65a8f7dedcdc4030c5345c7eedfafb913d33e0e9f1bfa6bcd966bf.json b/chunks/json/fce557ec1f65a8f7dedcdc4030c5345c7eedfafb913d33e0e9f1bfa6bcd966bf.json new file mode 100644 index 0000000000000000000000000000000000000000..7883a089e0bb8cb9f225385f00f6b04b038be245 --- /dev/null +++ b/chunks/json/fce557ec1f65a8f7dedcdc4030c5345c7eedfafb913d33e0e9f1bfa6bcd966bf.json @@ -0,0 +1 @@ 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diff --git a/chunks/json/fcf674c03ed2213aca85ba7b37a3f093d40c9a6c6fd6776bfb8b088769477ffd.json b/chunks/json/fcf674c03ed2213aca85ba7b37a3f093d40c9a6c6fd6776bfb8b088769477ffd.json new file mode 100644 index 0000000000000000000000000000000000000000..6f80cff5925882b43eaf629368fcca2cf8c11f6d --- /dev/null +++ b/chunks/json/fcf674c03ed2213aca85ba7b37a3f093d40c9a6c6fd6776bfb8b088769477ffd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9706,"char_start":8107,"chunk_id":"chk_084adc124cafad74","chunk_index":5,"chunk_sha256":"fcf674c03ed2213aca85ba7b37a3f093d40c9a6c6fd6776bfb8b088769477ffd","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_ad0b9497c249c913","text_sha256":"fcf674c03ed2213aca85ba7b37a3f093d40c9a6c6fd6776bfb8b088769477ffd","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.xml/2- to 4-unit_Appraisal_v1.3.xml"]},"text":"false\n\nfalse\n\nTraditionalAppraisal\n\nfalse\n\nMineralRights\n\nNone\n\n0\n\n0\n\n0\n\n875\n\n875\n\n0\n\n1800\n\n1800\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\n160000\n\n2019-08-25\n\ntrue\n\ntrue\n\nOther\n\nPrivate Sale\n\nUSGSLavaFlowZone\n\nZone2\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\nAsphalt\n\nCollector\n\nSubject fronts onto a collector street.\n\ntrue\n\nPublicStreet\n\ntrue\n\nfalse\n\nfalse\n\nNone\n\nSite fronts to a collector street through the community, which has higher density traffic impacting subject's marketability.\n\nBordering\n\nBusyRoadway\n\nAdverse\n\n11997\n\n1\n\nPublic\n\nElectricity\n\nCesspools are typical in this jurisdiction.\n\nNonPublic\n\nSanitarySewer\n\nNeutral\n\nCesspool\n\nfalse\n\nPublic\n\nWater\n\nNeutral\n\ntrue\n\nFull\n\nResidential\n\nAgricultural/Residential, 1.00 Acre Minimum\n\nA-1A\n\nAccording to Hawaii Planning and Zoning Office, the subject can be rebuilt if destroyed. Nonconforming to zoning due to smaller lot size than currently allowed.\n\nLegalNonConforming\n\n13-222 N Trail Loop\n\nSurfside\n\n12345\n\nHI\n\nDriveway\n\nGravel\n\n6\n\nfalse\n\n0\n\nFinancingMethod\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n0\n\nSiteSize\n\n0\n\nNeighborhoodName\n\n-2000\n\nSiteCharacteristic\n\n-25000\n\nSiteInfluence\n\n-5000\n\nYearBuilt\n\n0\n\nGrossBuildingFinishedArea\n\n-5000\n\nLivingUnitBathroomCount\n\nUnit 2\n\n-37200\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nUnit 2\n\n-10000\n\nOverallQualityRating\n\n-3000\n\nOutdoorLivingAmenity\n\n0\n\nWaterFeaturesAmenity\n\n3000\n\nVehicleStorage\n\n194800\n\n47450\n\n94900\n\nSouth\n\nLess\n\nfalse\n\nVA\n\nfalse\n\n100\n\n1\n\n1.1\n\n-84200\n\nImpactResistantGlass\n\nDwelling\n\n2005\n\nfalse\n\nStandard\n\nWallsAndCeiling\n\nFlooring\n\nFullyUpdated\n\n864\n\n0\n\nfalse\n\n2\n\n1\n\n0\n\nC4\n\nQ5\n\nBasic\n\nModeratelyUpdated\n\nUnit 1\n"} diff --git a/chunks/json/fd1eeb50d3fa80267399ec39e5b0900535f426dd08cca2d1a0114ad091e4daef.json b/chunks/json/fd1eeb50d3fa80267399ec39e5b0900535f426dd08cca2d1a0114ad091e4daef.json new file mode 100644 index 0000000000000000000000000000000000000000..248c708ab58a6c1319c6c5e6c5817517aea260cc --- /dev/null +++ b/chunks/json/fd1eeb50d3fa80267399ec39e5b0900535f426dd08cca2d1a0114ad091e4daef.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9843,"char_start":8154,"chunk_id":"chk_c70c8d62c175a758","chunk_index":5,"chunk_sha256":"fd1eeb50d3fa80267399ec39e5b0900535f426dd08cca2d1a0114ad091e4daef","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0eda6969e4a31965","text_sha256":"fd1eeb50d3fa80267399ec39e5b0900535f426dd08cca2d1a0114ad091e4daef","token_estimate":422,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-quick-start-guide.pdf"]},"text":"▪ To align with data delivered to ULDD, data point\n\n▪ Critical/Fatal edits that validate data point\n\nenumerations that supported products not\npurchased or used by the GSEs were removed.\n\n▪ Data points and attributes that were already\n\noptional in UCD v1.5, and supported products\neither not purchased by the GSEs or provided\ninformation not used by the GSEs, have been\ndeleted. This was done to clean up and\nstreamline UCD XML file requirements\ndocumented in the UCD v2.0.\n\nenumerations will be updated to fire when deleted\nenumerations are provided. UCD XML files must no\nlonger include these expired values for the applicable\ndata points.\n\n▪ While UCD XML files should omit removed UCD v1.5\ndata points and attributes; if the data is included it will\nbe ignored.\n\n▪ UCD v2.0 Tab 4b-\nRevision Log v1.5-\nv2.0 shows all\ndeleted\nCONTAINERS,\ndata points and\nattributes.\n\n▪ UCD v2.0 Tab 8 -\nEnumerations\ncontains a\ncomplete log of all\nenumerations that\nhave been deleted.\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners.\n\nDecember 2025\n\n6\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n\nChange\n\nDescription\n\nPotential Impact\n\nRemove\nunnecessary\ncomplexity for\nlinking companies\nand contacts\ntogether\n\n▪ For all instances of PARTY, “hard-\n\n▪ Applications that use the PARTY\n\ncoded” SequenceNumbers, xlink:labels,\nand RELATIONSHIP containers holding\nArcroles have been removed from the\nUCD v2.0.\n\n▪ The company (LEGAL_ENTITY) and\n\ncontact person (INDIVIDUAL) from the\nsame organization will be linked using\nPartyRoleType.\n"} diff --git a/chunks/json/fd260d66287132ee8d9a91987217fe9f09745813a74aca9915275b5f963f94e8.json b/chunks/json/fd260d66287132ee8d9a91987217fe9f09745813a74aca9915275b5f963f94e8.json new file mode 100644 index 0000000000000000000000000000000000000000..0a158e0bd1330b5d82e9d4b14eb953f3495aad98 --- /dev/null +++ b/chunks/json/fd260d66287132ee8d9a91987217fe9f09745813a74aca9915275b5f963f94e8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10737,"char_start":7075,"chunk_id":"chk_40d72e82b9251bb3","chunk_index":4,"chunk_sha256":"fd260d66287132ee8d9a91987217fe9f09745813a74aca9915275b5f963f94e8","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4d54dbf7e48638b7","text_sha256":"fd260d66287132ee8d9a91987217fe9f09745813a74aca9915275b5f963f94e8","token_estimate":914,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Policies___FHFA_g7sbin.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n# FHFA Policies\n\n## Breadcrumb\n\n- [Home](/)\n - [​FHFA AT-A-GLANCE](/about)\n - FHFA Policies\n\nPolicy Description [Accessibility](/about/fhfa-policies/accessibility) ​The majority of pages on this website are accessible to individuals with disabilities in accordance with Section 508 of the Rehabilitation Act. [Digital Strategy](/about/fhfa-policies/digital-strategy) The Federal government ​launched a comprehensive Digital Government Strategy to encourage agencies to identify ways to use innovative technologies to... [Equal Employment Opportunity / No FEAR Act](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) FHFA prohibits discrimination in all aspects of its personnel policies, program practices and operations. [Ex Parte Communications in Connection with FHFA Rulemakings](/about/fhfa-policies/ex-parte-communications-connection-fhfa-rulemakings) Communications in Connection with FHFA Rulemakings FHFA prohibits discrimination in all aspects of its personnel policies, program practices... [​Inventory, Priorities, & Schedule](/about/fhfa-policies/inventory-priorities-schedule) FHFA is required under OMB Circular A-130 and the Paperwork Reduction Act to disseminate information to the public in a timely, equitable, efficient... [​Open Government](/about/fhfa-policies/open-government) FHFA complies with all instructions in President’s Open Government memorandum in January 2009 to ensure the public has access to important information about... [​Plain Writing](/about/fhfa-policies/plain-writing) [​](/vulnerability-disclosure-policy)FHFA is committed to writing new documents in plain language using the Federal Plain Language Guidelines requiring federal agencies to write \"clear... [​Prohibited Personnel Practices](/about/fhfa-policies/prohibited-personnel-practices) ​FHFA is required to provide these informational materials by the Office of Special Counsel to notify employees of Prohibited Personnel Practices ​(PPP), which... [​Reasonable Accommodation](/about/careers/reasonable-accommodation) FHFA provides reasonable accommodations to qualified employees and job applicants with disabilities where appropriate. Employees and job... [Records & Information Management](/about/fhfa-policies/records-and-information-management) FHFA believes in public trust through records integrity, and takes steps to adequately and properly document the organization, functions, policies... [Terms of Use](/about/fhfa-policies/website-privacy-policy)\n"} diff --git a/chunks/json/fd36723cb6cac9423b690a1305e36f59952d725127e282293aa65329928514d7.json b/chunks/json/fd36723cb6cac9423b690a1305e36f59952d725127e282293aa65329928514d7.json new file mode 100644 index 0000000000000000000000000000000000000000..7af139e8c19df23039bc9a72c9cff97e8b8ff32b --- /dev/null +++ b/chunks/json/fd36723cb6cac9423b690a1305e36f59952d725127e282293aa65329928514d7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15465,"char_start":14147,"chunk_id":"chk_bbebeb3e7693aec1","chunk_index":6,"chunk_sha256":"fd36723cb6cac9423b690a1305e36f59952d725127e282293aa65329928514d7","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"fd36723cb6cac9423b690a1305e36f59952d725127e282293aa65329928514d7","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":"B4-1.2-01, Appraisal Report Forms and Exhibits\n(12/10/2025)\n\nSB4-1.2-01, Appraisal Reports and Exhibits\n(12/10/2025)\n\nB4-1.2-02, Desktop Appraisals (12/10/2025)\n\nSB4-1.2-02, Desktop Appraisals (12/10/2025)\n\nB4-1.2-03, Hybrid Appraisals (12/10/2025)\n\nSB4-1.2-03, Hybrid Appraisals (12/10/2025)\n\nB4-1.2-04, Appraisal Age and Use Requirements\n(06/04/2025)\n\nSB4-1.2-04, Age of Appraisal and Restricted\nAppraisal Update Report Requirements (06/04/2025)\n\nB4-1.2-05, Requirements for Verifying Completion\nand Postponed Improvements (12/10/2025)\n\nSB4-1.2-05, Requirements for Verifying Completion and\nPostponed Improvements (12/10/2025)\n\nB4-1.3-01, Review of the Appraisal Report\n(06/04/2025)\n\nSB4-1.3-01, Review of the Uniform Residential\nAppraisal Report (06/04/2025)\n\nB4-1.3-02, Subject and Contract Sections of the\nAppraisal Report (06/04/2025)\n\nSB4-1.3-02, Subject Listing Information, Sales\nContract, Prior Sale, and Transfer History\n(06/04/2025)\n\nB4-1.3-03, Neighborhood Section of the Appraisal\nReport (06/04/2025)\n\nSB4-1.3-03, Market Section of the Uniform\nResidential Appraisal Report (06/04/2025)\n\nB4-1.3-04, Site Section of the Appraisal Report\n(06/04/2025)\n\nSB4-1.3-04, Property Site, Disaster Mitigation, and\nHighest and Best Use (06/04/2025)\n\nB4-1.3-05, Improvements Section of the Appraisal\nReport (06/04/2025)\n"} diff --git a/chunks/json/fd3e039ba484322b6f7261c5cea7d2cf41a920655e677854c90b19208fb003be.json b/chunks/json/fd3e039ba484322b6f7261c5cea7d2cf41a920655e677854c90b19208fb003be.json new file mode 100644 index 0000000000000000000000000000000000000000..be047f7e6931e4320ad41ee6d45dbbe354d99736 --- /dev/null +++ b/chunks/json/fd3e039ba484322b6f7261c5cea7d2cf41a920655e677854c90b19208fb003be.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11633,"char_start":9947,"chunk_id":"chk_0b6788c463e21fbb","chunk_index":6,"chunk_sha256":"fd3e039ba484322b6f7261c5cea7d2cf41a920655e677854c90b19208fb003be","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_893077f9a03ec710","text_sha256":"fd3e039ba484322b6f7261c5cea7d2cf41a920655e677854c90b19208fb003be","token_estimate":422,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-dictionary.pdf"]},"text":"Categories C5\nand C6 are\nrecoded.\n\nSales Comparison\nApproach\n\nFor rating definitions,\nsee Fannie Mae\nSelling Guide, Section\nB4-1.3-06, Property\nCondition and\nQuality of\nConstruction of the\nImprovements\n(03/01/2023) and\nFreddie Mac Single-\nFamily Seller Servicer\nGuide, 5605.5,\nImprovement\nAnalysis (4/6/2023).\n\nFor rating definitions,\nsee Fannie Mae\nSelling Guide, Section\nB4-1.3-06, Property\nCondition and\nQuality of\nConstruction of the\nImprovements\n(03/01/2023) and\nFreddie Mac Single-\nFamily Seller Servicer\nGuide, 5605.5,\nImprovement\nAnalysis (4/6/2023).\n\nFederal Housing Finance Agency\n\n8\n\nUAD PUF Version 2.1 Data Dictionary\n\nField Name\n\nShort Description\n\nDefinition\n\nFormat\n\nbathrooms\n\nNumber of Bathrooms\n\nCharacter\n\nAppraiser-reported total\nnumber of above-grade and\nbelow-grade full and half\nbathrooms in the subject\nproperty.\n\nDisclosure\nAvoidance\nMethod\nTop-coded at 4\nbathrooms.\n\nAllowable\nValues\n\n'1' = 1 Bathrooms\n'2' = 2 Bathrooms\n'3' = 3 Bathrooms\n'4' = 4+\nBathrooms\n'9' = Missing\n\nAppraisal Form\nSection\n\nNotes\n\nSales Comparison\nApproach\n\nFull and half\nbathrooms are\ntreated equally in\nthis tally. For\nexample, if a housing\nunit has one full and\ntwo half bathrooms,\nthe total tally is\nthree.\n\nbedrooms\n\nNumber of Bedrooms\n\nAppraiser-reported total\nnumber of above-grade and\nbelow-grade bedrooms in the\nsubject property.\n\nCharacter\n\n'1' = 0 to 2\nBedrooms\n'2' = 3 Bedrooms\n'3' = 4+ Bedrooms\n'9' = Missing\n\nBinned at the low\nend and top-\ncoded at 4\nbedrooms.\n\nSales Comparison\nApproach\n\ngross_living_area\n\nGross Living Area\n\nCharacter\n\nAppraiser-reported total area\nof all above-grade and below-\ngrade inhabitable rooms in the\nsubject property, reported in\nsquare feet.\n"} diff --git a/chunks/json/fd45311a332a1981cafb271f7a16c92524ef0fe9864d439ca9b18b4a36a7b899.json b/chunks/json/fd45311a332a1981cafb271f7a16c92524ef0fe9864d439ca9b18b4a36a7b899.json new file mode 100644 index 0000000000000000000000000000000000000000..da612ecca6af373df7706016b74ca960b1de9f86 --- /dev/null +++ b/chunks/json/fd45311a332a1981cafb271f7a16c92524ef0fe9864d439ca9b18b4a36a7b899.json @@ -0,0 +1 @@ +{"chunk":{"char_end":569525,"char_start":0,"chunk_id":"chk_da031700435d2963","chunk_index":0,"chunk_sha256":"fd45311a332a1981cafb271f7a16c92524ef0fe9864d439ca9b18b4a36a7b899","date_utc":"2026-01-27T18:13:03+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_7e3c595af1fdd93b","text_sha256":"fd45311a332a1981cafb271f7a16c92524ef0fe9864d439ca9b18b4a36a7b899","token_estimate":1000,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_pudb_mf_nfp/2024_PUDB_MF_NFP/2024_pudb_mf_nfp_fnma.csv","exceeds_max_chunk_chars_truncated"]},"text":"enterprise: 1 | record_num_mf_nf: 10000001 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 3 | same_year_acq: 1 | purpose_mf_nf: 1 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 4\nenterprise: 1 | record_num_mf_nf: 10000002 | tract_minority_cat: 2 | tract_income_cat: 3 | afford_mf: 4 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 2\nenterprise: 1 | record_num_mf_nf: 10000003 | tract_minority_cat: 2 | tract_income_cat: 2 | afford_mf: 4 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 1 | record_num_mf_nf: 10000004 | tract_minority_cat: 2 | tract_income_cat: 2 | afford_mf: 3 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 4\nenterprise: 1 | record_num_mf_nf: 10000005 | tract_minority_cat: 2 | tract_income_cat: 3 | afford_mf: 2 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 4\nenterprise: 1 | record_num_mf_nf: 10000006 | tract_minority_cat: 2 | tract_income_cat: 2 | afford_mf: 3 | same_year_acq: 2 | purpose_mf_nf: 1 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 1 | record_num_mf_nf: 10000007 | tract_minority_cat: 3 | tract_income_cat: 3 | afford_mf: 4 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 1 | record_num_mf_nf: 10000008 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 4 | same_year_acq: 2 | purpose_mf_nf: 1 | seller_type_mf_nf: 4 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 1 | record_num_mf_nf: 10000009 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 3 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 1 | record_num_mf_nf: 10000010 | tract_minority_cat: 2 | tract_income_cat: 2 | afford_mf: 4 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 2\nenterprise: 1 | record_num_mf_nf: 10000011 | tract_minority_cat: 3 | tract_income_cat: 3 | afford_mf: 4 | same_year_acq: 2 | purpose_mf_nf: 1 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 1 | record_num_mf_nf: 10000012 | tract_minority_cat: 2 | tract_income_cat: 2 | afford_mf: 4 | same_year_acq: 1 | purpose_mf_nf: 1 | seller_type_mf_nf: 4 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 1 | record_num_mf_nf: 10000013 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 3 | same_year_acq: 2 | purpose_mf_nf: 1 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 1 | record_num_mf_nf: 10000014 | tract_minority_cat: 3 | tract_income_cat: 2 | afford_mf: 4 | same_year_acq: 2 | purpose_mf_nf: 1 | seller_type_mf_nf: 4 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 1 | record_num_mf_nf: 10000015 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 3 | same_year_acq: 2 | purpose_mf_nf: 1 | seller_type_mf_nf: 4 | fed_guarantee_mf_nf: 2 | units_num_cat: 3\nenterprise: 1 | record_num_mf_nf: 10000016 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 3 | same_year_acq: 2 | purpose_mf_nf: 1 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 2\nenterprise: 1 | record_num_mf_nf: 10000017 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 4 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 4 | fed_guarantee_mf_nf: 2 | units_num_cat: 5\nenterprise: 1 | record_num_mf_nf: 10000018 | tract_minority_cat: 3 | tract_income_cat: 2 | afford_mf: 4 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 4\nenterprise: 1 | record_num_mf_nf: 10000019 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 3 | same_year_acq: 2 | purpose_mf_nf: 1 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 4\nenterprise: 1 | record_num_mf\n"} diff --git a/chunks/json/fd463431f630f87f47ff02008834d3ad9ab1eca471ef929dcb04552171c1ae7a.json b/chunks/json/fd463431f630f87f47ff02008834d3ad9ab1eca471ef929dcb04552171c1ae7a.json new file mode 100644 index 0000000000000000000000000000000000000000..95ee644f1842f434119f78659faa0abeb307836a --- /dev/null +++ b/chunks/json/fd463431f630f87f47ff02008834d3ad9ab1eca471ef929dcb04552171c1ae7a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1815,"char_start":0,"chunk_id":"chk_360de78e2115e730","chunk_index":0,"chunk_sha256":"fd463431f630f87f47ff02008834d3ad9ab1eca471ef929dcb04552171c1ae7a","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_75c54d5d6452a9a2","text_sha256":"fd463431f630f87f47ff02008834d3ad9ab1eca471ef929dcb04552171c1ae7a","token_estimate":547,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Releases_Data_Visualization_Dashboard_for_Ent_tx7oog.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/news/news-release/fhfa-releases-data-visualization-dashboard-for-enterprises-multifamily-mortgage-acquisitions\"\ndate_accessed: \"2026-01-27T17:54:20.722Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 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Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/fd4b3086b3de677e29c27f7904ae23693cde904998d3ad5d8848984269588c48.json b/chunks/json/fd4b3086b3de677e29c27f7904ae23693cde904998d3ad5d8848984269588c48.json new file mode 100644 index 0000000000000000000000000000000000000000..f54b8e64cce3377793aef4b94214c06c57db3ca6 --- /dev/null +++ b/chunks/json/fd4b3086b3de677e29c27f7904ae23693cde904998d3ad5d8848984269588c48.json @@ -0,0 +1 @@ +{"chunk":{"char_end":331034,"char_start":328444,"chunk_id":"chk_1d1db88a51c83298","chunk_index":193,"chunk_sha256":"fd4b3086b3de677e29c27f7904ae23693cde904998d3ad5d8848984269588c48","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"fd4b3086b3de677e29c27f7904ae23693cde904998d3ad5d8848984269588c48","token_estimate":648,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Project Common\nElements Completed\nIndicator\n\nIndicates that the common elements\nand recreation facilities in the project\nare complete.\n\n/VALUATION_RESPONSE/PROPERTY/PRO\nJECT[@_CommonElementsCompletedIndicator\n='Y']\n\n1\n\nBoolean\n\nThis field should be populated if field 3-42\n(Project Developer Controls Project\nManagement Indicator = 'Y') and one of fields\n1-132, 1-133 (Attachment Type = 'Attached'\nor 'SemiDetached') are indicated.\nThis field should be populated if field 3-42\n(Project Developer Controls Project\nManagement Indicator = 'Y') and one of fields\n1-132, 1-133 (Attachment Type = 'Attached'\nor 'SemiDetached') are indicated.\nThis field should be populated if field 3-42\n(Project Developer Controls Project\nManagement Indicator = 'Y') and one of fields\n1-132, 1-133 (Attachment Type = 'Attached'\nor 'SemiDetached') are indicated.\nIf field 3-42 (Project Developer Controls\nProject Management Indicator = 'Y') and one\nof fields 1-132, 1-133 (Attachment Type =\n'Attached' or 'SemiDetached') are indicated\nthen one and only one of fields 3-53, 3-54\n(values of Project Conversion Indicator)\nshould be indicated.\nIf field 3-42 (Project Developer Controls\nProject Management Indicator = 'Y') and one\nof fields 1-132, 1-133 (Attachment Type =\n'Attached' or 'SemiDetached') are indicated\nthen one and only one of fields 3-53, 3-54\n(values of Project Conversion Indicator)\nshould be indicated.\n\nThis field should be populated if field 3-53\n(Project Conversion Indicator = 'Y') is\nindicated.\n\nIf field 3-42 (Project Developer Controls\nProject Management Indicator = 'Y') and one\nof fields 1-132, 1-133 (Attachment Type =\n'Attached' or 'SemiDetached') are indicated\nthen one and only one of fields 3-56, 3-57\n(values of Project Contains Multiple Dwelling\nUnits Indicator) should be indicated.\nIf field 3-42 (Project Developer Controls\nProject Management Indicator = 'Y') and one\nof fields 1-132, 1-133 (Attachment Type =\n'Attached' or 'SemiDetached') are indicated\nthen one and only one of fields 3-56, 3-57\n(values of Project Contains Multiple Dwelling\nUnits Indicator) should be indicated.\nThis field should be populated if field 3-42\n(Project Developer Controls Project\nManagement Indicator = 'Y') and one of fields\n1-132, 1-133 (Attachment Type = 'Attached'\nor 'SemiDetached') are indicated.\nIf both field 3-42 (Project Developer Controls\nProject Management Indicator = 'Y') and one\nof fields 1-132, 1-133 (Attachment Type =\n'Attached' or 'SemiDetached') are indicated\nthen one and only one of fields 3-59, 3-60\n(values of Project Common Elements\nCompleted Indicator) should be indicated.\n"} diff --git a/chunks/json/fd66e817a078736dc20b2071f916b57352831f7baea2959e593e72bd2b9d7eb7.json b/chunks/json/fd66e817a078736dc20b2071f916b57352831f7baea2959e593e72bd2b9d7eb7.json new file mode 100644 index 0000000000000000000000000000000000000000..64db1d74695c66e7cde9018132bef3944a444006 --- /dev/null +++ b/chunks/json/fd66e817a078736dc20b2071f916b57352831f7baea2959e593e72bd2b9d7eb7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":353509,"char_start":351854,"chunk_id":"chk_ca947e773fecf9b2","chunk_index":288,"chunk_sha256":"fd66e817a078736dc20b2071f916b57352831f7baea2959e593e72bd2b9d7eb7","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"fd66e817a078736dc20b2071f916b57352831f7baea2959e593e72bd2b9d7eb7","token_estimate":414,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Figure 21 - 2\n\nComparable Transfer History\n\nThe Comparable Transfer History subsection always displays.\n\nThe Comparable Transfer History table displays sales that occurred within one year prior to the sale or listing reported in Sales Comparison\nApproach. Do not repeat the same information reported in the Sales Comparison Approach section.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n➢ When there are no prior sales or transfers for a comparable, PriorSalesOrTransfersIndicator (UID: 1800.0198, FID: Not on report) = “false”,\n\na subset of data is required. (Figure 21 - 3)\n\nPage 271\n\n• # – PropertyOrdinalNumber (UID: 1800.0192, FID: 21.007)\n• Transfer Terms – The text “None” displays.\n• Data Source – DataSourceType (UID: 0700.0125, FID: 21.005) Display one or more data sources.\n\no When there are multiple data sources display them stacked.\n\n➢ When PriorSalesOrTransfersIndicator (UID: 1800.0198, FID: Not on report) = “true”, additional information is required.\n\n• # – Display the PropertyOrdinalNumber (UID: 1800.0192, FID: 21.007), this number (commonly referred to as the “Comp number”)\nis the numerical order for the table. There is a single PropertyOrdinalNumber for a given property, the same number displays here\nand in the Sales Comparison Approach (ValuationUseType = “SalesComparable”).\n\n• Transfer Terms – When PriorSalesOrTransfersIndicator (UID: 1800.0198, FID: Not on report) = “true” AND\n\nOwnershipTransferTransactionType (UID: 1800.0209, FID: 21.008)\n\no = “DeedTransferOnly”, display “Deed Transfer Only”\no = “Sale”, do not display OwnershipTransferTransactionType, display SaleType (UID: 1800.0210, FID: 21.008) (e.g., Typically\n"} diff --git a/chunks/json/fd78b6e6b6443f8e5a73f690399e5cccb01010b82d2e25603aacddb4e2504118.json b/chunks/json/fd78b6e6b6443f8e5a73f690399e5cccb01010b82d2e25603aacddb4e2504118.json new file mode 100644 index 0000000000000000000000000000000000000000..5697f87d31b9bab521dfdb18437f437811f01ad4 --- /dev/null +++ b/chunks/json/fd78b6e6b6443f8e5a73f690399e5cccb01010b82d2e25603aacddb4e2504118.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5091,"char_start":3469,"chunk_id":"chk_9e2f2357507199b0","chunk_index":2,"chunk_sha256":"fd78b6e6b6443f8e5a73f690399e5cccb01010b82d2e25603aacddb4e2504118","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6f6d7ced83910f89","text_sha256":"fd78b6e6b6443f8e5a73f690399e5cccb01010b82d2e25603aacddb4e2504118","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/master-servicing-payment-deferral-release-notes.pdf"]},"text":"Program type not\nidentified on report; go\nto LSDU Delinquency\nModification Data tab to\nview Mod Program Type\n\nDelinquency\nModification and\nPayment Deferral\nFailed Business\nRules\n\nDelinquency\nModification\nFailed Business\nRules\n\nThis report is used to identify\ncorrections needed for\ndelinquency modifications and\npayment deferrals not updated by\nFannie Mae's Servicing and\nInvestor Reporting (SIR) system\ndue to failed business rules.\n\nProgram type not\nidentified on\nreport; go to LSDU\nDelinquency\nModification Data\ntab to view Mod\nProgram Type\n\nProgram type not\nidentified on report; go\nto LSDU Delinquency\nModification Data tab to\nview Mod Program Type\n\nS/S Delinquency\nModification and\n\nDelinquency\nModification SS\n\nThis report notifies servicers of\nreimbursed delinquent P&I\n\nProgram type not\nidentified on\n\nProgram type not\nidentified on report; go\n\n© 2020 Fannie Mae 7.1.20 Page 2 of 3\n\nNew Report Name\n\nPayment Deferral\nP&I Advance\nReimbursement\nReport\n\nFormer Report\nName\n\nCash P and I\nReimbursement\nReport\n\nUsage\n\nPayment Deferral\nIdentification\n\nCOVID-19 Payment\nDeferral Identification\n\nadvances for delinquency\nmodifications and payment\ndeferrals, as well as, funds that\nwill be drafted from the servicer' s\naccount when a transaction is\ncancelled.\n\nreport; go to LSDU\nDelinquency\nModification Data\ntab to view Mod\nProgram Type\n\nto LSDU Delinquency\nModification Data tab to\nview Mod Program Type\n\nMore Information\n\nFor more information about this release, please email Future of Servicing or contact Master Servicing at 1-800-2- FANNIE\n(Option 1, Option 6).\n\nOther helpful resources:\n\nServicing Learning Center\n"} diff --git a/chunks/json/fd78caaf4fafae201ac16a1bc003205cead7c7d749c82f4b891f1bf05787cd36.json b/chunks/json/fd78caaf4fafae201ac16a1bc003205cead7c7d749c82f4b891f1bf05787cd36.json new file mode 100644 index 0000000000000000000000000000000000000000..6b0fda1f3a4ac473968f965b8249436c19379eae --- /dev/null +++ b/chunks/json/fd78caaf4fafae201ac16a1bc003205cead7c7d749c82f4b891f1bf05787cd36.json @@ -0,0 +1 @@ +{"chunk":{"char_end":119808,"char_start":118188,"chunk_id":"chk_3a6d6b1a03b019c1","chunk_index":148,"chunk_sha256":"fd78caaf4fafae201ac16a1bc003205cead7c7d749c82f4b891f1bf05787cd36","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"fd78caaf4fafae201ac16a1bc003205cead7c7d749c82f4b891f1bf05787cd36","token_estimate":405,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\nPage 61\n\nIMPROVEMENT_COST_AND_DEPRECIATED_VALUE Element\n\nDepreciated Cost of each structure included in the cost approach must be provided in a separate instance of the\nIMPROVEMENT_COST_AND_DEPRECIATED_VALUE container. For example, when a dwelling and 2 outbuildings are included in the cost\napproach, three instances of the IMPROVEMENT_COST_AND_DEPRECIATED_VALUE container must be delivered in the XML.\n\n• Each IMPROVEMENT_COST_AND_DEPRECIATED_VALUE container must be linked to the subject instance of the IMPROVEMENT\n\ncontainer to which the replacement/reproduction costs apply. For example,\n\no The instance of the IMPROVEMENT_COST_AND_DEPRECIATED_VALUE container that is capturing Depreciated Cost of the\nBarn must be linked to the subject instance of the IMPROVEMENT container where ImprovementType = “Outbuilding” and\nOutbuildingType = “Barn”.\n\no The instance of the IMPROVEMENT_COST_AND_DEPRECIATED_VALUE container that is capturing Depreciated Cost of the\ndwelling must be linked to the subject instance of the IMPROVEMENT container where ImprovementType = “Dwelling”.\nWhen there is more than one dwelling, the arcrole must be made to the appropriate instance of the IMPROVEMENT\ncontainer (based on the ImprovementType = “Dwelling” and StructureIdentifier).\n\n•\n\nIn each instance of the IMPROVEMENT_COST_AND_DEPRECIATED_VALUE container,\n\no\no\n\nInformation about the costs to replace/reproduce the structure must be delivered in the IMPROVEMENT_COST container.\nInformation about depreciation of the structure must be delivered in the IMPROVEMENT_DEPRECIATION container.\n"} diff --git a/chunks/json/fd7a5f4a9821daa8eb75e64814c8f6cef51bc88391e53bb2a5a191b0002853d0.json b/chunks/json/fd7a5f4a9821daa8eb75e64814c8f6cef51bc88391e53bb2a5a191b0002853d0.json new file mode 100644 index 0000000000000000000000000000000000000000..4b9273b111936d1b9d5f0ba9841265e77a5c9e4d --- /dev/null +++ b/chunks/json/fd7a5f4a9821daa8eb75e64814c8f6cef51bc88391e53bb2a5a191b0002853d0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":338893,"char_start":337218,"chunk_id":"chk_782c9e18eac7ada6","chunk_index":200,"chunk_sha256":"fd7a5f4a9821daa8eb75e64814c8f6cef51bc88391e53bb2a5a191b0002853d0","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"fd7a5f4a9821daa8eb75e64814c8f6cef51bc88391e53bb2a5a191b0002853d0","token_estimate":419,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"refinishing\n\nDamaged and Nonfunctional The walls or ceilings are damaged and exhibit significant wear and tear to the level that it can no longer function as\n\nintended or designed.\nNote: If this answer is selected, individual damages and structural issues must be reported in the Apparent Defects,\nDamages, and Deficiencies (Unit Interior) subsection.\nExamples:\n•\n•\n\nA load-bearing wall that no longer provides adequate support\nSections of walls or ceilings that are damaged or missing to the extent that the overall livability of the unit is\nimpacted (e.g., exposed wiring, pipes, or duct work)\n\n• Wall or ceiling covering materials that are stained or discolored that need replacement, and cannot be repaired by\n\npaint or refinishing\n\nAppendix F-1: URAR Reference Guide\n\nPage 141 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nNo Finish\n\nThe walls or ceilings are missing final finish.\n\nWalls and Ceiling Condition Status (Choose one)\n\nOther Interior Features\n\nRow(s) can be added to the Interior Features table for other feature(s) that are significant to the Interior Quality\nand Condition Ratings. A row displays in the Interior Features table for each additional interior feature that is\nprovided.\n\nOTHER INTERIOR FEATURE EXAMPLE IN UNIT INTERIOR AND SALES COMPARISON APPROACH\n\nIn this example, “Light Fixtures” was added as an additional interior feature in the Interior Features table.\n\nThe additional interior feature (Light Fixtures) was also brought into the Sales Comparison Approach (22.09.08,\n22.09.15) to support the Quality and Condition Ratings. (Reference 22.10.07, 22.10.14 for ADUs).\n"} diff --git a/chunks/json/fd7f650c6ee7845147920cea63668bfd6e2ec72a8fc8e96b114da58fee64b587.json b/chunks/json/fd7f650c6ee7845147920cea63668bfd6e2ec72a8fc8e96b114da58fee64b587.json new file mode 100644 index 0000000000000000000000000000000000000000..04181f793d37272412a286b2706461b29cd9be5f --- /dev/null +++ b/chunks/json/fd7f650c6ee7845147920cea63668bfd6e2ec72a8fc8e96b114da58fee64b587.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10025,"char_start":7142,"chunk_id":"chk_be247f3508c71891","chunk_index":3,"chunk_sha256":"fd7f650c6ee7845147920cea63668bfd6e2ec72a8fc8e96b114da58fee64b587","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9c615d2cd25ff8f","text_sha256":"fd7f650c6ee7845147920cea63668bfd6e2ec72a8fc8e96b114da58fee64b587","token_estimate":721,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2023.pdf"]},"text":"01=11th District cost of funds; 02=Other cost of funds;\n03=LIBOR; 04=1 year constant Treasury Rate; 99=Not\nan ARM\nMargin added to the index used for the calculation of\nthe interest on an ARM. 9999=Not Applicable\nDate when prepayment penalty ends; report 9999-12-\n31 if not applicable\n\n45\n\nBorrower1EthnicityType\n\nBoEth\n\nBorrower1 Ethnicity Type\n\n46\n\nBorrower1Race2Type\n\nRace2\n\nBorrower1 Race2 Type\n\n47\n\nBorrower1Race3Type\n\nRace3\n\nBorrower1 Race3 Type\n\n48\n\nBorrower1Race4Type\n\nRace4\n\nBorrower1 Race4 Type\n\n49\n\nBorrower1Race5Type\n\nRace5\n\nBorrower1 Race5 Type\n\n50\n\nBorrower2EthnicityType\n\nCoEth\n\nBorrower2 Ethnicity Type\n\n51\n\nBorrower2Race2Type\n\nCoRace2\n\nBorrower2 Race2 Type\n\n52\n\nBorrower2Race3Type\n\nCoRace3\n\nBorrower2 Race3 Type\n\n53\n\nBorrower2Race4Type\n\nCoRace4\n\nBorrower2 Race4 Type\n\n54\n\nBorrower2Race5Type\n\nCoRace5\n\nBorrower2 Race5 Type\n\n55 HOEPALoanStatusType\n\nHOEPA\n\nHOEPA Loan Status Type\n\n56\n\nLienPriorityType\n\nLienStatus\n\nLien Priority Type\n\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\n\nAcqTyp\nAff1\nAff2\nAff3\nAff4\nBed1\nBed2\nBed3\nBed4\nCICA\n\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\n\n1=Hispanic or Latino; 2=Not Hispanic or Latino;\n3=Information not provided; 4=Not applicable (First or\nprimary borrower is an institution, corporation or\npartnership)\n1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership)\n1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership)\n1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership)\n1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership)\n1=Hispanic or Latino; 2=Not Hispanic or Latino;\n3=Information not provided; 4=Not applicable (First or\nprimary borrower is an institution, corporation or\npartnership); 5=No Co-Borrower\n1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership); 8=No Co-Borrower\n"} diff --git a/chunks/json/fd80627ddbc23aa92e46fadcca72583b35c71ef7e777e7afdf566691b6b303f2.json b/chunks/json/fd80627ddbc23aa92e46fadcca72583b35c71ef7e777e7afdf566691b6b303f2.json new file mode 100644 index 0000000000000000000000000000000000000000..524dcdd83ecb06dec47294a1b6e8b5f02295beb8 --- /dev/null +++ b/chunks/json/fd80627ddbc23aa92e46fadcca72583b35c71ef7e777e7afdf566691b6b303f2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":143951,"char_start":142334,"chunk_id":"chk_e4436e303bc6ff67","chunk_index":84,"chunk_sha256":"fd80627ddbc23aa92e46fadcca72583b35c71ef7e777e7afdf566691b6b303f2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"fd80627ddbc23aa92e46fadcca72583b35c71ef7e777e7afdf566691b6b303f2","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"String\n\nThis field should contain a description of the materials and condition of the\ngutters and downspouts.\n\nString\n\nThis field should contain a description of the materials and condition of the\nwindow type.\n\nString\n\nThis field should contain a description of the materials and condition of any\nstorm sash/insulation.\n\nString\n\nThis field should contain a description of the materials and condition of any\nscreens.\n\nString\n\nThis field should contain a description of the materials and condition of the\nfloors.\n\nString\n\nThis field should contain a description of the materials and condition of the\ninterior walls.\n\nString\n\nThis field should contain a description of the materials and condition of the\ntrim/finish.\n\nString\n\nThis field should contain a description of the materials and condition of the\nbathroom floor(s).\n\nString\n\nThis field should contain a description of the materials and condition of any\nbathroom wainscot.\n\nBoolean\n\nA value of 'N' indicates that 'None' has been checked, and there is no attic. A\nvalue of 'Y' indicates that the box has not been checked.\n\nBoolean\n\nA value of 'Y' indicates that drop stairs exist, a value of 'N' indicates that the\nbox has not been checked.\n\nIf field 1-164 (Attic Exists Indicator = 'N') is\nindicated, then none of fields 1-165, 1-166, 1-\n167, 1-168, 1-169, 1-170 (Attic Feature\nExists Indicator = 'Y' and values of Attic\nFeature Type) may be indicated.\nIf field 1-164 (Attic Exists Indicator = 'N') is\nindicated, then none of fields 1-165, 1-166, 1-\n167, 1-168, 1-169, 1-170 (Attic Feature\nExists Indicator = 'Y' and values of Attic\nFeature Type) may be indicated.\n"} diff --git a/chunks/json/fd8ac538dfbccdf4ab101f928a1df15e251ec9f180229f641144bd729eac1d9e.json b/chunks/json/fd8ac538dfbccdf4ab101f928a1df15e251ec9f180229f641144bd729eac1d9e.json new file mode 100644 index 0000000000000000000000000000000000000000..a083cd7fcf9530434f96b2b7b14250a8e3ac41f2 --- /dev/null +++ b/chunks/json/fd8ac538dfbccdf4ab101f928a1df15e251ec9f180229f641144bd729eac1d9e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":206931,"char_start":205330,"chunk_id":"chk_b66b08d8c8de3385","chunk_index":121,"chunk_sha256":"fd8ac538dfbccdf4ab101f928a1df15e251ec9f180229f641144bd729eac1d9e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"fd8ac538dfbccdf4ab101f928a1df15e251ec9f180229f641144bd729eac1d9e","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The dollar value estimated for the property site (e.g., land that is improved so\nthat it is ready to be used for a specific purpose). Can be 0, such as when\nProperty Rights Appraised is Leasehold.\n\nChoose an\nallowable answer\nfrom table\n(Primary Site\nValuation Method)\n\nThe method by which the site value is calculated.\n•\n•\n•\n•\n\nAllocation\nExtraction\nSales Comparison\nOther (Describe)\n\nAppendix F-1: URAR Reference Guide\n\nPage 81 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nPrimary Site Valuation Method (Choose one)\n\nAllocation\n\nExtraction\n\nSales Comparison\n\nAn estimation of land value in which sales of improved properties are analyzed to establish a typical ratio of land value to\ntotal property value. This ratio is applied to the property being appraised to arrive at an estimated value for the land.\n\nAn estimation of land value in which the depreciated cost of the improvements on the improved property is estimated and\ndeducted from the total sale price to arrive at an estimated value for the land.\n\nIdentifies sales of vacant land and / or sites and applies an adjustment process to the sale price to determine an indicated\nvalue or range of value for the subject site.\nNote: If this answer is selected, land comparables (4.107-4.114) must be provided.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nInformation for each Land Comparable\n\nThe Land Comparables table displays if Primary Site Valuation Method is Sales Comparison, and the “When to\nInclude” column in this table reflects this.\n"} diff --git a/chunks/json/fd93038086d2e2e00f2d2ddd40167f2cc85f04727bf3d52787119611ae04e609.json b/chunks/json/fd93038086d2e2e00f2d2ddd40167f2cc85f04727bf3d52787119611ae04e609.json new file mode 100644 index 0000000000000000000000000000000000000000..9a791e5d8ffc1397a282fc78365d2ee2ed42e923 --- /dev/null +++ b/chunks/json/fd93038086d2e2e00f2d2ddd40167f2cc85f04727bf3d52787119611ae04e609.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1039570,"char_start":1037575,"chunk_id":"chk_8ece979a3b6fd877","chunk_index":619,"chunk_sha256":"fd93038086d2e2e00f2d2ddd40167f2cc85f04727bf3d52787119611ae04e609","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"fd93038086d2e2e00f2d2ddd40167f2cc85f04727bf3d52787119611ae04e609","token_estimate":499,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"T\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 175 of 211\n\nDocument Version 1.4\n\nSort\nID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n71\n\n72\n\n73\n\n74\n\n75\n\n76\n\n77\n\n78\n\n79\n\n80\n\n81\n\n82\n\n83\n\n84\n\n85\n\n86\n\n87\n\n88\n\n89\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n66\n\nNEIGHBORHOOD\n\n67\n\nNEIGHBORHOOD\n\n68\n\nNEIGHBORHOOD\n\n69\n\nNEIGHBORHOOD\n\n70\n\nNEIGHBORHOOD\n\n71\n\nNEIGHBORHOOD\n\n72\n\nNEIGHBORHOOD\n\n73\n\nNEIGHBORHOOD\n\n74\n\nNEIGHBORHOOD\n\n75\n\nNEIGHBORHOOD\n\n76\n\nNEIGHBORHOOD\n\n77\n\nNEIGHBORHOOD\n\n78\n\nNEIGHBORHOOD\n\n79\n\nNEIGHBORHOOD\n\n81\n\nNEIGHBORHOOD\n\nDemand/Supply\nOver Supply\n\nMarketing Time\nUnder 3 mths\n\nMarketing Time\n3-6 mths\n\nMarketing Time\nOver 6 mths\n\nOne-Unit Housing\nPrice $ (000)\nLow\nOne-Unit Housing\nPrice $ (000)\nHigh\nOne-Unit Housing\nPrice $ (000)\nPred.\nOne-Unit Housing\nAge (yrs)\nLow\nOne-Unit Housing\nAge (yrs)\nHigh\nOne-Unit Housing\nAge (yrs)\nPred.\n\nPresent Land Use %\nOne-Unit\n\nPresent Land Use %\n2-4 Unit\n\nPresent Land Use %\nMulti-Family\n\nPresent Land Use %\nCommercial\n\nPresent Land Use %\nOther\n\n82\n\nNEIGHBORHOOD Neighborhood Boundaries\n\n83\n\n84\n\n85\n\nNEIGHBORHOOD Neighborhood Description\n\nNEIGHBORHOOD Market Conditions\n\nSITE\n\nDimensions\n\nNeighborhood\nDemand Supply\nType\nNeighborhood\nTypical Marketing\nTime Duration Type\nNeighborhood\nTypical Marketing\nTime Duration Type\nNeighborhood\nTypical Marketing\nTime Duration Type\nNeighborhood\nHousing Low Price\nAmount\nNeighborhood\nHousing High Price\nAmount\nNeighborhood\nHousing\nPredominant Price\nNeighborhood\nHousing Newest\nYears Count\nNeighborhood\nHousing Oldest\nYears Count\nNeighborhood\nHousing\nPredominant Age\nNeighborhood\nPresent Land Use\nPercent\nNeighborhood\nPresent Land Use\nPercent\nNeighborhood\nPresent Land Use\nPercent\nNeighborhood\nPresent Land Use\nPercent\nNeighborhood\nPresent Land Use\nPercent\n"} diff --git a/chunks/json/fd9aa93827dea70620a185debd989d3c32dd088488997058322229e8f7e5bac0.json b/chunks/json/fd9aa93827dea70620a185debd989d3c32dd088488997058322229e8f7e5bac0.json new file mode 100644 index 0000000000000000000000000000000000000000..ede73f0799d670fa661b1bf51fdb3a31203e4ad7 --- /dev/null +++ b/chunks/json/fd9aa93827dea70620a185debd989d3c32dd088488997058322229e8f7e5bac0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10220,"char_start":8534,"chunk_id":"chk_f92463c821ac24f2","chunk_index":5,"chunk_sha256":"fd9aa93827dea70620a185debd989d3c32dd088488997058322229e8f7e5bac0","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c5040f543aae68ba","text_sha256":"fd9aa93827dea70620a185debd989d3c32dd088488997058322229e8f7e5bac0","token_estimate":419,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Frequently_Asked_Questions___FHFA_rl1net.md"]},"text":"- ### [Fannie Mae and Freddie Mac Assistance Options for Families Impacted by COVID-19 FAQs](/faqs/fannie-mae-and-freddie-mac-assistance-options-for-families-impacted-by-covid-19-faqs)\n\n**Published: Thursday, August 25, 2022**\n\n​​​​View PDF What help is available for homeowners impacted by COVID-19?Homeowners unable to make their mortgage payments resulting from the impact of COVID-1...\n\n- ### [Enterprise Seller/Servicer Minimum Financial Eligibility Requirements Frequently Asked Questions](/faqs/enterprise-seller-servicer-minimum-financial-eligibility-requirements-frequently-asked-questions)\n\n**Published: Wednesday, August 17, 2022**\n\n​​View PDF 1. Why do the 2.0 Servicer Eligibility requirements include additional standards for large non-depositories? The requirements include additional standards for large non-de...\n\n- ### [Re-Proposal to Enhance Eligibility Requirements for Enterprise Single-Family Seller/Servicers](/faqs/re-proposal-to-enhance-eligibility-requirements-for-enterprise-single-family-seller-servicers)\n\n**Published: Thursday, February 24, 2022**\n\n​​Overview As part of their risk management processes, Fannie Mae and Freddie Mac (the Enterprises) each have established an approval process for seller/servicers that includes both a...\n\n- ### [FAQs - Updated Eligibility Requirements for Enterprise Single-Family Seller/Servicers](/faqs/faqs-updated-eligibility-requirements-for-enterprise-single-family-seller-servicers)\n\n**Published: Friday, January 31, 2020**\n\nview PDF1. Why are the Enterprises updating their minimum financial eligibility requirements for Single-Family Seller/Servicers? The updated financial requirements further impro...\n"} diff --git a/chunks/json/fda955f7af5dc34bf0b9f26a1b1f8ddf2f0506fda923f9446fc3b692ea5f9ef1.json b/chunks/json/fda955f7af5dc34bf0b9f26a1b1f8ddf2f0506fda923f9446fc3b692ea5f9ef1.json new file mode 100644 index 0000000000000000000000000000000000000000..2761f96118394ddc5e8ca32328ae72d5af92eecb --- /dev/null +++ b/chunks/json/fda955f7af5dc34bf0b9f26a1b1f8ddf2f0506fda923f9446fc3b692ea5f9ef1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7664,"char_start":7219,"chunk_id":"chk_0a52b5b2cd2659a3","chunk_index":9,"chunk_sha256":"fda955f7af5dc34bf0b9f26a1b1f8ddf2f0506fda923f9446fc3b692ea5f9ef1","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"fda955f7af5dc34bf0b9f26a1b1f8ddf2f0506fda923f9446fc3b692ea5f9ef1","token_estimate":416,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Intended Use .............................................................................................................................................................................................................. 39\n\nIntended User ............................................................................................................................................................................................................ 39\n"} diff --git a/chunks/json/fdb1942876db43a3289bf07f69efd4769981483634e04934cc2c15cfc20c2141.json b/chunks/json/fdb1942876db43a3289bf07f69efd4769981483634e04934cc2c15cfc20c2141.json new file mode 100644 index 0000000000000000000000000000000000000000..3fa345ae5c2c27ce6546923df3896e1b8e60c176 --- /dev/null +++ b/chunks/json/fdb1942876db43a3289bf07f69efd4769981483634e04934cc2c15cfc20c2141.json @@ -0,0 +1 @@ +{"chunk":{"char_end":355260,"char_start":354179,"chunk_id":"chk_ebbd0413a8c1b0d7","chunk_index":196,"chunk_sha256":"fdb1942876db43a3289bf07f69efd4769981483634e04934cc2c15cfc20c2141","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"fdb1942876db43a3289bf07f69efd4769981483634e04934cc2c15cfc20c2141","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"1512.11 Utilities 4/15/14 to 4/30/14\n\n13.0 CALCULATION\n\nAdjustments for Items Unpaid by Seller\n\n12.8.1\n\n12.9.1\n\n12.10.1\n\n12.11.1\n\n$365.00 1415.9 City/Town Taxes 4/15/14 to 4/30/14\n 1515.10 County Taxes __ to __\n 1615.11 Assessments __ to __\n\n$100.00 1715.12 Utilities 4/15/14 to 4/30/14\n\n16.0 CALCULATION\n\n13.1 Total Due from Borrower at Closing (K)\n\n13.1.1 $252,347.30 16.1 Total Due to Seller at Closing (M)\n\n13.2 Total Paid Already by or on Behalf of Borrower at Closing (L) 13.2.1 -$227,015.00 16.2 Total Due from Seller at Closing (N)\n\n13.3 Cash to Close  From To Borrower\n\n13.3.1 $25,332.30 16.3 Cash to Close From To Seller\n\n14.4.1\n\n14.5.1\n\n14.6.1\n\n14.7.1\n\n15.0.1\n\n15.1.1\n\n15.2.1\n\n15.3.1\n\n15.4.1\n\n15.5.1\n\n15.8.1\n\n15.7.1\n\n15.9.1\n\n15.10.1\n\n15.11.1\n\n15.12.1\n\n16.1.1\n\n16.2.1\n\n16.3.1\n\nFigure 90. Summaries of Transactions\n\nC. FOR MORE I NFORMATI ON\n\nSummaries of Transactions: Reg §1026.38(j) and (k) pp.80019-20.\n\nBORROWER’S TRANSACTION: Reg §1026.38(j) pp. 80356-7, 80125, 80021-22; 38(j)(4) pp. 80126, 80358, 80023.\n\n11.0: Reg §1026.38(j)(1) pp. 80125, 80357, 80021-22.\n"} diff --git a/chunks/json/fdcd7bf612b89810e84c61aefce9e5cf381a5462ad364ada7f2c8b7dc41567e5.json b/chunks/json/fdcd7bf612b89810e84c61aefce9e5cf381a5462ad364ada7f2c8b7dc41567e5.json new file mode 100644 index 0000000000000000000000000000000000000000..cda6fc16df969da2aa75e39d4cf7dad859b77fd5 --- /dev/null +++ b/chunks/json/fdcd7bf612b89810e84c61aefce9e5cf381a5462ad364ada7f2c8b7dc41567e5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4850,"char_start":3226,"chunk_id":"chk_c685ccb46a0c48aa","chunk_index":2,"chunk_sha256":"fdcd7bf612b89810e84c61aefce9e5cf381a5462ad364ada7f2c8b7dc41567e5","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_f05286f76b764a18","text_sha256":"fdcd7bf612b89810e84c61aefce9e5cf381a5462ad364ada7f2c8b7dc41567e5","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/earlycheck-release-notes-2023.pdf"]},"text":"Edit Updates\n\n7.6.3\n\nNew edits are related to Property Data – Condo\nProject Manager and Loan Program\n\nExisting edits are related to Special Feature Codes\n\nJune 22\n\nEdit Updates\n\n7.6.4\n\nEdits changing severity are related to Property Data\n\nULAD-\nMISMO\n3.4\n\nULDD-\nMISMO\n3.0\n\nULAD-\nMISMO\n3.4\n\nULDD-\nMISMO\n3.0\n\n4 new edits with a severity of Warning\n\n7 new edits with a severity of Warning,\neffective May 29th\n\n1 new edit with a severity of Fatal\n\n1 edit changing severity from Warning-to-\nFatal to Fatal\n\n•\n\n•\n\n•\n\n•\n\n•\n\n•\n\n1 edit with a text and logic change\n\n© 2024 Fannie Mae\n\nNovember 2023\n\nEffective\nDate\nJuly 24\n\nImpacted\nArea\nEdit Updates\n\nVersion\n\n7.6.5\n\nDescription\n\nNew edits are related to Closing Data and DU\nCompare\n\nEdit changing severity are related to Investor,\nMortgage Insurance, and Closing Data.\n\nAug 28\n\nEdit Updates\n\n7.6.5\n\nNew edits are related to Closing Data\n\nSep 1\n\nEdit Updates\n\n7.6.6\n\nEdits changing severity are related to Loan Program –\nShared Equity\n\nSep 25\n\nEdit Updates\n\n7.6.6\n\nEdits changing severity are related to Mortgage\nInsurance and Closing Data\n\nOct 30\n\nEdit Updates\n\n7.6.7\n\nEdits changing severity are related to Property Data –\nCPM and Value Acceptance\n\nFile\nType\n\nULAD-\nMISMO\n3.4\n\nULDD-\nMISMO\n3.0\n\nULDD-\nMISMO\n3.0\n\nULDD-\nMISMO\n3.0\n\nULAD-\nMISMO\n3.4\n\nULDD-\nMISMO\n3.0\n\nULAD-\nMISMO\n3.4\n\nULDD-\nMISMO\n3.0\n\nImpact\n\n•\n\n•\n\n•\n\n•\n\n•\n\n1 edit changing severity from Warning to\nWarning-to-Fatal\n\n3 new edits with a severity of Warning\n\n4 edits with changing severity from\nWarning to Warning-to-Fatal\n\n6 new edits with a severity of Fatal\n\n1 edit changing severity from Warning-to-\nFatal to Fatal\n"} diff --git a/chunks/json/fdf647abf8840afdfe2a078cd9b9a01d5b55d3468a7157c77e874bde2a880257.json b/chunks/json/fdf647abf8840afdfe2a078cd9b9a01d5b55d3468a7157c77e874bde2a880257.json new file mode 100644 index 0000000000000000000000000000000000000000..470ab8edca537dac9580dbd60f9c3f62999a284f --- /dev/null +++ b/chunks/json/fdf647abf8840afdfe2a078cd9b9a01d5b55d3468a7157c77e874bde2a880257.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14630,"char_start":13257,"chunk_id":"chk_b2f28f17a1314a8a","chunk_index":7,"chunk_sha256":"fdf647abf8840afdfe2a078cd9b9a01d5b55d3468a7157c77e874bde2a880257","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d247cbfbdbb56cff","text_sha256":"fdf647abf8840afdfe2a078cd9b9a01d5b55d3468a7157c77e874bde2a880257","token_estimate":419,"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":"**Stress Testing Reports/Results**\n[All Fannie Mae and Freddie Mac Stress Testing Reports](/reports/stress-tests-report)\n\n**Stress Testing - Rulemaking**\n[All Stress Testing Rulemaking Pages and Documents](/regulation/federal-register)\n\n**Testimony**\n[An Update from the Federal Housing Finance Agency on Oversight of Fannie Mae, Freddie Mac and the Federal Home Loan Banks (4/18/2013)](/news/testimony/an-update-from-the-federal-housing-finance-agency-on-oversight-of-fannie-mae-freddie-mac-and-the)\n\n**Other**\n\n[DFAST Frequently Asked Questions (FAQs) (8/15/2019)](/sites/default/files/2023-03/2018_dfast_severely-adverse-scenario_faqs.pdf)\n[Annual Report to Congress – 2018 (6/15/2019)](/reports/annual-report-to-congress/2018)\n[Annual Report to Congress – 2017 (6/15/2018)](/reports/annual-report-to-congress/2017)\n[Annual Report to Congress – 2016 (6/15/2017)](/reports/annual-report-to-congress/2016)\n[Annual Report to Congress – 2015 (6/15/2016)](/reports/annual-report-to-congress/2015)\n[Annual Report to Congress – 2014 (6/15/2015)](/reports/annual-report-to-congress/2014)\n\n*Page Updated: 3/4/2025​​​​​*​​\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/fdfef2ca78bee0519f9cf1224977acba80273ce12af02f613cc89d94a9224fe5.json b/chunks/json/fdfef2ca78bee0519f9cf1224977acba80273ce12af02f613cc89d94a9224fe5.json new file mode 100644 index 0000000000000000000000000000000000000000..fc442a8800c4b69978bae254efd3eec2980fd6ca --- /dev/null +++ b/chunks/json/fdfef2ca78bee0519f9cf1224977acba80273ce12af02f613cc89d94a9224fe5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15798,"char_start":14113,"chunk_id":"chk_c75100e1cff88a6c","chunk_index":8,"chunk_sha256":"fdfef2ca78bee0519f9cf1224977acba80273ce12af02f613cc89d94a9224fe5","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_754a964b374dcce9","text_sha256":"fdfef2ca78bee0519f9cf1224977acba80273ce12af02f613cc89d94a9224fe5","token_estimate":422,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Do_Business_with_Us___FHFA_pazjp.md"]},"text":"A strict lowest price decision, which is often the sole deciding factor in much of private sector contracting, does not always meet FHFA's needs. Overall, the procurement process takes advantage of a competitive and commercial marketplace that offers the best value to FHFA. Best-value decisions are based on business judgments, considering factors such as capability, past performance, and price.\n\n### Contract Types\n\nFHFA primarily uses firm-fixed-price contracts and time-and-materials contracts (T&M), or labor hours contracts (level of effort).\n\n- **Fixed-Price Contracts**- In a firm-fixed-price contract, the price is established in the contract. The contractor is either paid for successfully performing the work or paid a fixed-unit price for the quantity ordered to determine the final price for successful performance.\n- **Level-of-Effort Contracts**- T&M and labor-hour contracts compensate the contractor based on hours worked and accepted by FHFA. T&M contracts also reimburse the contractor for material costs.\n## Other Acquisition Methods\n\nIn addition to individual contract awards, FHFA primarily uses the following methods to procure goods and services:\n\n### Blanket Purchase Agreements\n\nFHFA establishes blanket purchase agreements as a simplified method of filling anticipated repetitive needs for goods and services at a later date or on an ongoing basis.\n\n### Other Types of Contracts and Purchase Orders\n\nWe often use the General Services Administration 's (GSA) Federal Supply Schedules and Governmentwide Acquisition Contracts (GWACs), including NASA's Solutions for Enterprise-Wide Procurement to place orders for goods and services directly with contractors.\n"} diff --git a/chunks/json/fe04bc75eab1c3864f5e5612cfa7a454e8d9d73b1e3b1edeb327b24a606d90be.json b/chunks/json/fe04bc75eab1c3864f5e5612cfa7a454e8d9d73b1e3b1edeb327b24a606d90be.json new file mode 100644 index 0000000000000000000000000000000000000000..c798181db84bc36322525090fac0e19d8f3c7e84 --- /dev/null +++ b/chunks/json/fe04bc75eab1c3864f5e5612cfa7a454e8d9d73b1e3b1edeb327b24a606d90be.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3554,"char_start":2911,"chunk_id":"chk_752069814fabcff7","chunk_index":4,"chunk_sha256":"fe04bc75eab1c3864f5e5612cfa7a454e8d9d73b1e3b1edeb327b24a606d90be","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7eca65366e02ac25","text_sha256":"fe04bc75eab1c3864f5e5612cfa7a454e8d9d73b1e3b1edeb327b24a606d90be","token_estimate":611,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type.pdf"]},"text":"Example 2: Condo .............................................................................................................................................................................................................................................................................................................. 7\n\nExample 3: 2- to 4-Unit ...................................................................................................................................................................................................................................................................................................... 8\n"} diff --git a/chunks/json/fe22c93e1420aa86fa1443b3aa0a1f55b9b34ad85d75f8dd29fe0294b30dd61b.json b/chunks/json/fe22c93e1420aa86fa1443b3aa0a1f55b9b34ad85d75f8dd29fe0294b30dd61b.json new file mode 100644 index 0000000000000000000000000000000000000000..a3e2f3eaeabe19a6f39e36e9208a0bb1c22c306b --- /dev/null +++ b/chunks/json/fe22c93e1420aa86fa1443b3aa0a1f55b9b34ad85d75f8dd29fe0294b30dd61b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9487,"char_start":8315,"chunk_id":"chk_db0ff4baf6adc460","chunk_index":5,"chunk_sha256":"fe22c93e1420aa86fa1443b3aa0a1f55b9b34ad85d75f8dd29fe0294b30dd61b","date_utc":"2026-01-27T18:30:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e9417770194f6560","text_sha256":"fe22c93e1420aa86fa1443b3aa0a1f55b9b34ad85d75f8dd29fe0294b30dd61b","token_estimate":293,"warnings":["source_path=Appendix-D-2-Restricted Appraisal Update Report Sample Scenario and XML File (1)/Appendix D-2 AU1_AppraisalReport/_.pdf/AU1_AppraisalUpdate_v1.2.pdf"]},"text":"14. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable\nfederal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation\nof my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n\n15. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this\nassignment.\n\nAppraiser Reference ID AA234567 Client Reference ID 1234567Update Version #1Fannie Mae | Freddie Mac September 2024\n\nRestricted Appraisal Update Report\n\nPage 3 of 3\n\nCertifications (continued)\n\nSignature\n\nAppraiser\nAllan Appraiser\nAllan Appraiser\n\n03/20/2020\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nCertified Residential\n1234456A\nVA\n03/31/2022\n\nAppraiser Reference ID AA234567 Client Reference ID 1234567Update Version #1Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/fe2bf53593fe8e164c08340b1d7988a4fded68874885604bf02cf9e10c3c4cbc.json b/chunks/json/fe2bf53593fe8e164c08340b1d7988a4fded68874885604bf02cf9e10c3c4cbc.json new file mode 100644 index 0000000000000000000000000000000000000000..9c80fc21cd6b1781fc98062da9490b6bb85ea515 --- /dev/null +++ b/chunks/json/fe2bf53593fe8e164c08340b1d7988a4fded68874885604bf02cf9e10c3c4cbc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15372,"char_start":13728,"chunk_id":"chk_5e1ad55cf27e14ef","chunk_index":9,"chunk_sha256":"fe2bf53593fe8e164c08340b1d7988a4fded68874885604bf02cf9e10c3c4cbc","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5d9c7b086b7218c1","text_sha256":"fe2bf53593fe8e164c08340b1d7988a4fded68874885604bf02cf9e10c3c4cbc","token_estimate":411,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Desktop_70D.pdf"]},"text":"This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user,\ndefinition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to\ninclude any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or\ndeletions to the certifications are also not permitted. However, additional certifications that do not constitute material alterations to\nthis appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n\nSCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting\nrequirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting\nconditions, and certifications. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the\nsubject property including, but not limited to, public and/or private data records, and information as described by the appraiser in the\nappraisal report, (2) research, verify, and analyze adequate and reliable data from public and/or private sources for the subject\nmarket area including data for each comparable property reported, and (3) report his or her analysis, opinions, and conclusions in\nthis appraisal report.\n"} diff --git a/chunks/json/fe2ed5aecb4c85c9f73e9ce39e3a136f5342855c6feeb9892ea76861cda01134.json b/chunks/json/fe2ed5aecb4c85c9f73e9ce39e3a136f5342855c6feeb9892ea76861cda01134.json new file mode 100644 index 0000000000000000000000000000000000000000..726f5226a93b2e0404c924449d2a577e01747b20 --- /dev/null +++ b/chunks/json/fe2ed5aecb4c85c9f73e9ce39e3a136f5342855c6feeb9892ea76861cda01134.json @@ -0,0 +1 @@ +{"chunk":{"char_end":359227,"char_start":357473,"chunk_id":"chk_e7e0c1d6e0259c29","chunk_index":212,"chunk_sha256":"fe2ed5aecb4c85c9f73e9ce39e3a136f5342855c6feeb9892ea76861cda01134","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"fe2ed5aecb4c85c9f73e9ce39e3a136f5342855c6feeb9892ea76861cda01134","token_estimate":439,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"A structure designed to provide temporary living quarters that does not contain all of the elements to be considered a\ndwelling unit.\n\nIndoor Riding Arena\n\nA structure designed for indoor horse riding.\n\nManufactured Home\n\nA factory-built dwelling built in compliance with the Federal Manufactured Home Construction and Safety Standards in\neffect at the time the home was manufactured as evidenced by the HUD label.\nNotes:\n•\n•\n\nSelect this answer if any portion of the outbuilding is a manufactured home, regardless of current usage.\nIf the manufactured home is an ADU, the Manufactured Home section displays.\n\nOffice\n\nPool House\n\nShed\n\nSilo\n\nStable\n\nStandalone ADU\n\nStudio\n\nWorkshop\n\nOther (Describe)\n\nA structure designed to enhance the poolside experience.\n\nA structure designed to store agricultural materials in bulk.\n\nA structure designed to house livestock.\n\nA detached ADU that is not a manufactured home, and has no additional separate area.\nNote: If the ADU is a manufactured home, select Manufactured Home instead of this answer.\n\nA structure designed for instruction or practice of the arts (e.g., music, painting, photography).\n\nSelect Other to enter an answer that is not in the above list. For detached garages with separate additional area other\nthan vehicle storage or ADU, select this answer, and describe all the uses. Reference Appendix 4: Detached Garage\nExamples for additional information and examples.\nExamples:\n•\n• Workshop/ADU/Garage\n•\n\nBarn/Garage\n\nStorm Shelter\n\nDo not select this answer:\n•\n\nIf the garage is primarily designed for vehicle storage, which must be identified in Vehicle Storage and not in\nOutbuilding.\nIf the ADU shares a common wall with the garage, and there is no separate additional area. Select ADU/Garage.\n"} diff --git a/chunks/json/fe3c08c644f7abe3c89d2db9fb5f5a7168ac08186d9c7531c87c0862eaee8c78.json b/chunks/json/fe3c08c644f7abe3c89d2db9fb5f5a7168ac08186d9c7531c87c0862eaee8c78.json new file mode 100644 index 0000000000000000000000000000000000000000..8ea9334d8a1707c827770851aa8acd455adb705b --- /dev/null +++ b/chunks/json/fe3c08c644f7abe3c89d2db9fb5f5a7168ac08186d9c7531c87c0862eaee8c78.json @@ -0,0 +1 @@ +{"chunk":{"char_end":151443,"char_start":149522,"chunk_id":"chk_cfe9ce83c1ca5cb5","chunk_index":69,"chunk_sha256":"fe3c08c644f7abe3c89d2db9fb5f5a7168ac08186d9c7531c87c0862eaee8c78","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"fe3c08c644f7abe3c89d2db9fb5f5a7168ac08186d9c7531c87c0862eaee8c78","token_estimate":480,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"at time of consummation plus the margin)\n\n▪ Loan Amortization Type\n▪ Buydown Temporary Subsidy Indicator\n▪ Buydown Reflected In Note Indicator\n▪ Buydown Initial Effective Interest Rate Percent\n▪ Loan Amortization Type\n▪ Buydown Temporary Subsidy Indicator\n▪ WeightedAverageInterestRatePercent\n\n▪ Fixed\n▪ false\n▪ 3.875\n\n▪ Fixed\n▪ true\n▪ false\n▪ 3.875\n\n▪ Fixed\n▪ true\n▪ true\n▪ 1.875\n\n▪ Step\n▪ false\n▪ 3.875\n\n▪ AdjustableRate\n▪ false\n▪ 3.875\n\n▪ AdjustableRate\n▪ false\n▪ 3.875\n\n▪ AdjustableRate\n▪ true\n▪ true\n▪ 1.875\n\n▪ Fixed\n▪ false\n▪ 3.875\n\nAppendix E: UCD Implementation Guide\n\nPage 64 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n4.0 Loan Terms\n\nThe following table illustrates how the interest rate data points discussed above are expressed in the UCD file.\n\nTable 50. Interest Rate Percent\n\nID\n\nForm Field\nName\n\nUID 3.038 N/A – GSE\n\nMISMO v3.3.0 Context\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO\nv3.3.0 Value\n\nNotes\n\n.../CLOSING_INFORMATION_DE\nTAIL\n\nCurrentRateSetDate\n\nYYYY-MM-DD Not shown - Data\n\nClarity\n\nUse one and only one of the following data points:\n\n4.2.1 | 20.2\n\nInterest\nRate\n\n…/BUYDOWN_OCCURRENCE\n\n…/LOAN/TERMS_OF_LOAN\n\nUID 4.038 N/A - GSE\n\n…/LOAN/LOAN_PRODUCT/LOA\nN_PRICE_QUOTES/LOAN_PRICE\n_QUOTE/LOAN_PRICE_QUOTE_\nDETAIL\n\na. MAPPI NG GUIDANCE\n\nBuydownInitialEffectiv\neInterestRatePercent\n\nDisclosedFullyIndexed\nRatePercent\n\n1.8750\n\nROF as “1.875%”\n\n3.8750\n\nROF as “3.875%”\n\nNoteRatePercent\n\n3.8750\n\nROF as “3.875%”\n\nWeightedAverageInter\nestRatePercent\n\n3.8750\n\nROF as “3.875%”\n\nLoanPriceQuoteIntere\nstRatePercent\n\nn.nnnn\n\nNot shown –\nATR/QM\n\n4.2.1 Although the same interest rate data point will be also used to populate 20.2 when applicable, it\nappears only once in the XML file. Along with the note amount, the related GSE-Specific data point required to\nsupport Data Clarity, Current Rate Set Date, (the date the final interest rate was locked in with the borrower)\nmust be provided in the UCD file.\n"} diff --git a/chunks/json/fe3f6ef3db31f7c4b281281d18fdeed0807958938ef15c555def0c0d2c210889.json b/chunks/json/fe3f6ef3db31f7c4b281281d18fdeed0807958938ef15c555def0c0d2c210889.json new file mode 100644 index 0000000000000000000000000000000000000000..20605cd0317a83810fd19845254e8f4d615e2937 --- /dev/null +++ b/chunks/json/fe3f6ef3db31f7c4b281281d18fdeed0807958938ef15c555def0c0d2c210889.json @@ -0,0 +1 @@ +{"chunk":{"char_end":250212,"char_start":248536,"chunk_id":"chk_569feab9d14db0e1","chunk_index":130,"chunk_sha256":"fe3f6ef3db31f7c4b281281d18fdeed0807958938ef15c555def0c0d2c210889","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"fe3f6ef3db31f7c4b281281d18fdeed0807958938ef15c555def0c0d2c210889","token_estimate":419,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"a. Each title company charge must be represented on the form with the prefix “Title-”.\n\n2.\n\nInclude RegulationZPointsAndFeesIndicator with every charge in support of ATR/QM, with the exception of\n7.2.1 Points.\n\n3. For items 7.2 and 7.3, provide the type of entity receiving the payment. This supports an ATR/QM to\n\nidentify Broker or Lender affiliates.\n\n4. For subcategories 7.4 and 7.6, identify the provider of the service by company name.\n\n5. Determine if the payment was broken out across multiple payors.\n\nAppendix E: UCD Implementation Guide\n\nPage 113 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n7.0 Loan Costs Table\n\na.\n\nIf paid by one payor at one time, disclose the full amount of the charge in the appropriate column. (7.3.2\n– 7.3.6)\n\nb. If the payment was broken out, disclose all payors, their portion of the charge, and at what time they\n\npaid it relative to closing. If the charge was paid by a third party, no timing information is needed. (7.3.6)\n\n6.\n\nIf the third-party payor is the lender, precede the amount paid by the indicator “(L)” (7.3.6)\n\n7. 1 ORI GI NATI ON CHARGES\n\nA. Origination Charges include fees the consumer will pay to each creditor and loan originator for originating\nand extending credit. Examples include but are not limited to: Points charged to reduce the interest rate,\napplication fee, manual and/or automated underwriting fees, processing fee, verification fees, rate lock fee,\nthird-party originator compensation, and loan level pricing adjustment assessed on the lender that is passed on\nto the borrower. See the enumerations listed for 7.3 FeeType in Appendix I for the full list of fees that are\nrecommended for this category.\n"} diff --git a/chunks/json/fe42c8989d7f9bdda686ccdb66e6e7995de4c1425a6471a081d11670de8184dc.json b/chunks/json/fe42c8989d7f9bdda686ccdb66e6e7995de4c1425a6471a081d11670de8184dc.json new file mode 100644 index 0000000000000000000000000000000000000000..c36e503f72eb44baf69ae9312d0b0dcd8eb3cc0c --- /dev/null +++ b/chunks/json/fe42c8989d7f9bdda686ccdb66e6e7995de4c1425a6471a081d11670de8184dc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3241,"char_start":1636,"chunk_id":"chk_750c1fbec3f6fcf1","chunk_index":1,"chunk_sha256":"fe42c8989d7f9bdda686ccdb66e6e7995de4c1425a6471a081d11670de8184dc","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"fe42c8989d7f9bdda686ccdb66e6e7995de4c1425a6471a081d11670de8184dc","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.pdf/SF3_Appraisal_v1.3.pdf"]},"text":"• Subject Property\n\n• Property Rights Appraised: Fee Simple\n• Attachment Type: Detached\n\n• Site\n\n• Site Utilities\n\n▪ Water and Sanitary Sewer are private with well and septic\n▪ Electric is private (solar panels) and there is a connection to public electrical lines\n\n• Site value was developed at the request of the client (including Land Comparables)\n\n• Unit Interior – Primary Dwelling\n\n•\n\nIncludes an additional interior feature (Wet Bar) with a photo\n\n• Energy Efficient and Green Features\n\n• Renewable Energy Component: Leased Solar Panels\n• Green Energy Certification: RESNET (HERS) and DOE (Home Energy Score)\n\n• Defects, Damages, Deficiencies: None\n\nNote: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to\ninformation in the URAR.\n\nThe URAR sample scenario begins on the next page.\n\nThis cover section, including Introduction and Key Characteristics,\n\nis not part of the URAR.\n\nUniform Residential Appraisal Report\n\n14568 GENERIC RD, OUT THERE, VA 56789\n\nSUMMARY\n\nOpinion Of Market Value\n\n$775,000\n\nMarket Value Condition\n\nAs Is\n\nEffective Date Of Appraisal\nAssignment Reason\nBorrower Name\n\nCurrent Owner Of Public Record\nContract Price\nListing Status\n\n09/08/2019\nPurchase\nBob Borrower\nBetty Borrower\nJane Doe\n$770,000\nPending\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nAgatha Appraiser\n\nProperty Description\n\nConstruction Method\nAttachment Type\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nSubject Site Owned in Common\n\nSite Built\nDetached\n\nOverall Quality\nOverall Condition\n\nQ4\nC4\n\nYes No\n \n \n \n \n \n"} diff --git a/chunks/json/fe5fa5f920ea17e9fc271223c2ba945b0bdcb05dd06e7e4a83cd78374e20459d.json b/chunks/json/fe5fa5f920ea17e9fc271223c2ba945b0bdcb05dd06e7e4a83cd78374e20459d.json new file mode 100644 index 0000000000000000000000000000000000000000..b877edb9bc29827a039709b488a0586668740c49 --- /dev/null +++ b/chunks/json/fe5fa5f920ea17e9fc271223c2ba945b0bdcb05dd06e7e4a83cd78374e20459d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11736,"char_start":10540,"chunk_id":"chk_cc4c41412e2f9864","chunk_index":6,"chunk_sha256":"fe5fa5f920ea17e9fc271223c2ba945b0bdcb05dd06e7e4a83cd78374e20459d","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_039064adae9902a9","text_sha256":"fe5fa5f920ea17e9fc271223c2ba945b0bdcb05dd06e7e4a83cd78374e20459d","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/COVID_19_Resources___FHFA_t5e1u5.md"]},"text":"*​*\n\n*Last updated: December 2, 2022​*\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"} diff --git a/chunks/json/fe876a6c77197b75baafc7e99cd63349978baace12451850ca23b137f6db4942.json b/chunks/json/fe876a6c77197b75baafc7e99cd63349978baace12451850ca23b137f6db4942.json new file mode 100644 index 0000000000000000000000000000000000000000..aaf86820f72dc11ef8823470de14152bfad58cbe --- /dev/null +++ b/chunks/json/fe876a6c77197b75baafc7e99cd63349978baace12451850ca23b137f6db4942.json @@ -0,0 +1 @@ +{"chunk":{"char_end":151512,"char_start":149862,"chunk_id":"chk_58940cffa6ee7000","chunk_index":82,"chunk_sha256":"fe876a6c77197b75baafc7e99cd63349978baace12451850ca23b137f6db4942","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"fe876a6c77197b75baafc7e99cd63349978baace12451850ca23b137f6db4942","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Figure 47. Rendering Cash to Close Table Data on the CD Alternate Form.\n\nCalculating Cash to Close\n\n10.A\n\nLoan Estimate\n\nFinal\n\nDid this change?\n\nIntegratedDisclosureCashToClose\nItemType\n\nIntegratedDisclosureCa\nshToCloseItemEstimate\nd\nAmount\n\nIntegratedDisclosure\nCashToClose\nItemFinalAmount\n\nIntegratedDi\nsclosureCash\nToClose\nItemAmount\nChangedIndi\ncator\n\nIntegratedDisclosureCashTo\nCloseItemChangeDescription\n\n10.10 Loan Amount\n“LoanAmount”\n\n10.1 Total Closing Costs (J)\n“TotalClosingCosts”\n\n10.2 Closing Costs Paid Before\nClosing\n“ClosingCostsPaidBeforeClosing”\n\n10.10.1 $150,000\n\n10.10.2\n\n10.10.3 NO\n\n10.10.4\n\n$150,0\n\n00\n\n10.1.1-$5,099.00\n\n10.1.2\n\n-$5,757.00 10.1.3 YES\n\n10.2.1\n\n$0.00\n\n10.2.2\n\n$435.00 10.2.3 YES\n\n10.1.4 See Total Loan Costs\n(D) and Total Other Costs (I)\n\n10.2.4 You paid these\nClosing Costs before closing\n\nUCD v2.0 Implementation Guide\n\n- 65 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 47. Rendering Cash to Close Table Data on the CD Alternate Form.\n\nCalculating Cash to Close\n\n10.A\n\nLoan Estimate\n\nFinal\n\nDid this change?\n\n10.11 Total Payoffs & Payments (K)\n“PayoffsAndPayments”\n\n10.11.1-$120,000.00\n\n10.11.2\n$115,000.00\n\n-\n\n10.11.3 YES 10.11.4 See Payoffs and\n\nPayments (K)\n\n10.9 Cash to Close\n“CashToCloseTotal”\n\n10.9.1 $24,901.00\n\n10.9.2 $29,677.00\n\n10.3 Closing Costs Financed\n“ClosingCostsFinanced” 10.3.2 $5,322.00\n\n10.9.3 From To\nBorrower\nIntegratedDisclosureCa\nshToClose\nItemPaymentType =\n“ToBorrower”\n\n10.9.4 From To\nBorrower\nIntegratedDisclosure\nCashToCloseItemPay\nmentType =\n“ToBorrower”\n\nTable 36. UCD v2.0 Spec Excerpt - Cash to Close Item – Refinance Data Requirements.\n"} diff --git a/chunks/json/fe8bfa632f423a456baca04c7c115ec6827c323d8e56359db68ddb042e0de5e4.json b/chunks/json/fe8bfa632f423a456baca04c7c115ec6827c323d8e56359db68ddb042e0de5e4.json new file mode 100644 index 0000000000000000000000000000000000000000..c44e280f399a94db68f09460c245db28647d92c0 --- /dev/null +++ b/chunks/json/fe8bfa632f423a456baca04c7c115ec6827c323d8e56359db68ddb042e0de5e4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":539732,"char_start":538111,"chunk_id":"chk_587d9b41eaec6773","chunk_index":318,"chunk_sha256":"fe8bfa632f423a456baca04c7c115ec6827c323d8e56359db68ddb042e0de5e4","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"fe8bfa632f423a456baca04c7c115ec6827c323d8e56359db68ddb042e0de5e4","token_estimate":405,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field should be populated if field 2-\n93 (Property Analysis Type =\n'ConformsToNeighborhood' and\nProperty Analysis Exists Indicator = 'N')\nis indicated.\n\nOne and only one of fields 2-95, 2-96\n(values of Sales History Researched\nIndicator) should be indicated.\nOne and only one of fields 2-95, 2-96\n(values of Sales History Researched\nIndicator) should be indicated.\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 104 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n304\n\n305\n\n306\n\n307\n\n308\n\n309\n\n310\n\n311\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n97\n\n98\n\n99\n\n100\n\n101\n\n102\n\n103\n\n104\n\nPRIOR SALE\nHISTORY\n\nPRIOR SALE\nHISTORY\n\nPRIOR SALE\nHISTORY\n\nI did not research the sale or\ntransfer history of the subject\nproperty and comparable sales.\nIf not, explain.\n\nMy research Did reveal any\nprior sales or transfers of the\nsubject property for the three\nyears prior to the effective date\nof this appraisal.\n\nMy research Did Not reveal any\nprior sales or transfers of the\nsubject property for the three\nyears prior to the effective date\nof this appraisal.\n\nSales History Not\nResearched\nComment\n\nA free-form text field used to describe or\ncomment on why the sales or transfer\nhistory research of the subject property\nand comparable sales was not performed.\n"} diff --git a/chunks/json/fe9cbbb2f5bcb927fe8ac6be98668e5e52b0a5728013abf28780d5b2b14ac821.json b/chunks/json/fe9cbbb2f5bcb927fe8ac6be98668e5e52b0a5728013abf28780d5b2b14ac821.json new file mode 100644 index 0000000000000000000000000000000000000000..a04ac7ea77c2696f5729986b6effe154afac23ef --- /dev/null +++ b/chunks/json/fe9cbbb2f5bcb927fe8ac6be98668e5e52b0a5728013abf28780d5b2b14ac821.json @@ -0,0 +1 @@ +{"chunk":{"char_end":68205,"char_start":66594,"chunk_id":"chk_f3ad0f4f32bba418","chunk_index":36,"chunk_sha256":"fe9cbbb2f5bcb927fe8ac6be98668e5e52b0a5728013abf28780d5b2b14ac821","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"fe9cbbb2f5bcb927fe8ac6be98668e5e52b0a5728013abf28780d5b2b14ac821","token_estimate":403,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"at 60034.\n\nrequires Credit Score to be reported by\nlenders, but intends to exclude it from\ndisclosure in its public dataset.120 FHFA\nwill continue disclosing Credit Score in\nthe PUDB Single-Family National File C\nin ranges to fulfill its separate statutory\nobligation to publish high-cost\nsecuritized mortgage data, but will not\nadd it to the Census Tract File in order\nto remain aligned with the CFPB\nPrivacy Guidance.\n\nNationwide Mortgage Licensing\nSystem and Registry ID (NMLSR ID):\nNMLSR ID is a new HMDA data element\nthat identifies the mortgage loan\noriginator, as defined in Regulation G 121\nor Regulation H,122 as applicable.123\nThe Enterprises collect NMLSR ID.\nBecause NMLSR ID could identify a\nborrower, the CFPB Privacy Guidance\nintends to exclude it from the CFPB’s\npublic dataset.124 In conformance with\nthe CFPB Privacy Guidance, NMLSR ID\nwill continue to be excluded from the\nSingle-Family PUDB.\n\nAutomated Underwriting System\nResult (AUS Result): AUS Result is a\nnew HMDA data element that identifies\nthe result provided by any AUS used to\nevaluate a loan application.125 The\nEnterprises collect AUS Result. The\nCFPB Privacy Guidance intends to\nexclude AUS Result from the CFPB’s\npublic dataset because it presents\nborrower privacy concerns.126 In\nconformance with the CFPB Privacy\nGuidance, AUS Result will continue to\nbe excluded from the Single-Family\nPUDB.\n\nC. Multifamily PUDB\n\n1. New or Modified HMDA Multifamily\nData Elements Added to the PUDB\n\nThe following multifamily data\nelements added or modified by the\namended Regulation C will be added to\nthe PUDB Multifamily Census Tract\nFile.\n"} diff --git a/chunks/json/fea055a427ea1137309c6b25d9d238e208806fd36dc9e3c4ea9a8d23752c4ba1.json b/chunks/json/fea055a427ea1137309c6b25d9d238e208806fd36dc9e3c4ea9a8d23752c4ba1.json new file mode 100644 index 0000000000000000000000000000000000000000..c5d153c477d978db1876a1fdd8cda320122173ed --- /dev/null +++ b/chunks/json/fea055a427ea1137309c6b25d9d238e208806fd36dc9e3c4ea9a8d23752c4ba1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":409239,"char_start":407613,"chunk_id":"chk_daa98179cf2c329f","chunk_index":321,"chunk_sha256":"fea055a427ea1137309c6b25d9d238e208806fd36dc9e3c4ea9a8d23752c4ba1","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"fea055a427ea1137309c6b25d9d238e208806fd36dc9e3c4ea9a8d23752c4ba1","token_estimate":406,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n24 Income Approach\n\nPage 319\n\nThe Income Approach section includes information about Gross Rent Multiplier (GRM) comparables, market rent, and the Gross Rent\nMultiplier. This section provides space for additional commentary and exhibits.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 320\n\nThis section contains the following subsections (gray bars) that always display:\n\n• Gross Rent Multiplier Comparables\n•\n•\n•\n\nIndicated Value by Income Approach\nIncome Approach Commentary\nIncome Approach Exhibits\n\nThe section displays when IncomeApproachIndicator (UID: 1000.0030, FID: Not on report) = \"true\". When there is an Income Approach\nincluded in the appraisal, Rental Information section is required.\n\nGross Rent Multiplier Comparables\n\nThe Gross Rent Multiplier Comparables subsection provides detailed information about the comparable properties used to determine the\nGross Rent Multiplier for the subject property – GrossRentMultiplierFactorNumber (UID: 1200.0003, FID: 24.023).\n\n• There must be at least 3 GRM comparables.\n• A thumbnail must display for each GRM comparable.\n• Display the subject property column and 3 GRM comparables in one grid.\n• When there are more than 3 GRM comparables, the row headers and the Subject Property columns repeat, followed by “Comparable\n\n#” repeating as necessary for additional comparables. (Figure 24 - 1)\n"} diff --git a/chunks/json/feb26dfd2e2fd124993eff981f59ddda50c799ca5545372dd0964a672f4d273a.json b/chunks/json/feb26dfd2e2fd124993eff981f59ddda50c799ca5545372dd0964a672f4d273a.json new file mode 100644 index 0000000000000000000000000000000000000000..79c75a0f6acbeb422a1a8727a7aee6bb1e768ab1 --- /dev/null +++ b/chunks/json/feb26dfd2e2fd124993eff981f59ddda50c799ca5545372dd0964a672f4d273a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10450,"char_start":8674,"chunk_id":"chk_f440f0ba654ca719","chunk_index":5,"chunk_sha256":"feb26dfd2e2fd124993eff981f59ddda50c799ca5545372dd0964a672f4d273a","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4bc32a13c076674b","text_sha256":"feb26dfd2e2fd124993eff981f59ddda50c799ca5545372dd0964a672f4d273a","token_estimate":506,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_s_Housing_Finance_Examiner_Commission_Program_9277yh.md"]},"text":"A Housing Finance Examiner Commission will indicate whether an examiner is qualified to lead the examination of a major risk area at Fannie Mae, Freddie Mac, and the Federal Home Loan Banks. The program combines coursework, on-the-job training, and testing to ensure an examiner has the skills and technical knowledge necessary to evaluate the condition and practices of the entities that FHFA supervises.\n\nTo date, more than 50 of FHFA's safety and soundness examiners have been awarded the distinction of Certified Housing Finance Examiner in recognition of their accomplishments since the program started in 2013.\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"} diff --git a/chunks/json/feb5aaeda41a636d88cd5ba222437110a35916324804a21fc9e685c42edb6ca1.json b/chunks/json/feb5aaeda41a636d88cd5ba222437110a35916324804a21fc9e685c42edb6ca1.json new file mode 100644 index 0000000000000000000000000000000000000000..45d5d95ee11352797ce991633b9b6befdc71e93a --- /dev/null +++ b/chunks/json/feb5aaeda41a636d88cd5ba222437110a35916324804a21fc9e685c42edb6ca1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12488,"char_start":10628,"chunk_id":"chk_6d902c32a5f1f9f3","chunk_index":6,"chunk_sha256":"feb5aaeda41a636d88cd5ba222437110a35916324804a21fc9e685c42edb6ca1","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f3ea5443d4283d2a","text_sha256":"feb5aaeda41a636d88cd5ba222437110a35916324804a21fc9e685c42edb6ca1","token_estimate":465,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Executive_Compensation___FHFA_4x14xg.md"]},"text":"*For FHLBank executive compensation, see documents filed with the Securities and Exchange Commission.*[*Electronic Data Gathering, Analysis, and Retrieval (EDGAR) system – Company Filings*](https://www.sec.gov/cgi-bin/browse-edgar?company=Federal+Home+Loan+Bank&owner=exclude&action=getcompany)*.*\n\n## Fannie Mae and Freddie Mac\n\n​The compensation paid to senior executives of Fannie Mae and Freddie Mac (the Enterprises) is established after consideration of private sector pay comparability reviews prepared by outside pay consultants retained by the boards of directors, and in consultation by FHFA with the U.S. Department of the Treasury.\n\nFor more information on annual Fannie Mae and Freddie Mac executive compensation, see [FHFA's Annual Report to Congress](/sites/default/files/documents/FHFA_2019_Report-to-Congress.pdf) and the Form 10-K Filings and Reports to Congress on Compensation linked below.\n\n## ​Executive Compensation and Incentive Compensation Plans\n\nIn 2012, FHFA changed the compensation Fannie Mae and Freddie Mac executives are eligible to earn, and these changes remain in effect today. FHFA designed the compensation structure to provide competitive compensation and retain key managers. It includes a retention feature and reductions for missed performance.\n\nImplementation of the new structure also included a 10 percent reduction to most executives’ total direct compensation and eliminated bonuses and incentive plans that had been in place.\n\nEach Enterprise executive officer’s target total direct compensation is the sum of base salary and deferred salary, which are paid in cash. Base salary is earned and paid on the Enterprises’ standard payroll cycle. Base salaries of Enterprise executive officers may not exceed $600,000. Deferred salary is earned on the Enterprises’ standard payroll cycles and paid as described below.\n"} diff --git a/chunks/json/fed91da156ec3a3d5e46f0a76717fea4fe56b7512e178a78fec53f991680e382.json b/chunks/json/fed91da156ec3a3d5e46f0a76717fea4fe56b7512e178a78fec53f991680e382.json new file mode 100644 index 0000000000000000000000000000000000000000..6262d37e49451147677477ce3546d67426d8fa51 --- /dev/null +++ b/chunks/json/fed91da156ec3a3d5e46f0a76717fea4fe56b7512e178a78fec53f991680e382.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8890,"char_start":7068,"chunk_id":"chk_28737349f3860124","chunk_index":4,"chunk_sha256":"fed91da156ec3a3d5e46f0a76717fea4fe56b7512e178a78fec53f991680e382","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_add64810cae012ee","text_sha256":"fed91da156ec3a3d5e46f0a76717fea4fe56b7512e178a78fec53f991680e382","token_estimate":456,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-3 Completion Report with Codes.pdf"]},"text":"H2\n\nAdditional Appraiser Certifications\n\nTXC-I\nTXC-NP\n\nAdditional Appraiser Certifications cannot be contrary to the original Appraiser Certifications.\n1.\n\nH1\n\nSupervisory Appraiser Certifications\n\nTXC\n\nThe Supervisory Appraiser certifies and agrees that:\n\nTXC-NP\n\n1. I have no present or prospective interest in the subject property, or relationship with the present or prospective owners or occupants of the\nsubject property, or other parties involved in this transaction.\n\n2. I performed this assignment without bias with respect to the parties involved in this transaction, the subject property, or the demographics\nof the area where the property is located.\n\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\nTXC-NP\n\n4. I accept full responsibility for this certification of completion.\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Completion Report Page [Page] of [Pages]Completion Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nHDR-R\n\n2 COLUMN PAGE FORMAT\n\nTXC-NP\n\n5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct.\n\n6. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal\nand/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of\nmy signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n"} diff --git a/chunks/json/fedafd61c8a2104a2b0ad8b710ca8c406e77218538dfe98565f2b3775794f89e.json b/chunks/json/fedafd61c8a2104a2b0ad8b710ca8c406e77218538dfe98565f2b3775794f89e.json new file mode 100644 index 0000000000000000000000000000000000000000..772efd6227b51a41600207c0db6450d3a936a998 --- /dev/null +++ b/chunks/json/fedafd61c8a2104a2b0ad8b710ca8c406e77218538dfe98565f2b3775794f89e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":63642,"char_start":61944,"chunk_id":"chk_2c9a2af79afd9df4","chunk_index":36,"chunk_sha256":"fedafd61c8a2104a2b0ad8b710ca8c406e77218538dfe98565f2b3775794f89e","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"fedafd61c8a2104a2b0ad8b710ca8c406e77218538dfe98565f2b3775794f89e","token_estimate":425,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this\nassignment.\n\nTXC-NP\n\n29. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment.\n\nTXC-NPI-B\n\nDescription of Prior Services:\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nH2\n\nAdditional Appraiser Certifications\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nTXC-I\n\nTXC-NP\n\nAdditional Appraiser Certifications cannot be contrary to the original Appraiser Certifications.\n1.\n\nH1\n\nSupervisory Appraiser Certifications\n\nTXC\n\nThe Supervisory Appraiser certifies and agrees that:\n\nTXC-NP\n\n1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective\nowners or occupants of the subject property, or other parties involved in this transaction.\n\n2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this\nreport, or the demographics of the area where the property is located.\n\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n4. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser’s analyses,\nopinions, statements, conclusions, and the appraiser’s certification.\n"} diff --git a/chunks/json/fefa81607a4d106acffb8370402879b8ff70f129d8c8cd7fa8304e2fa00ecf36.json b/chunks/json/fefa81607a4d106acffb8370402879b8ff70f129d8c8cd7fa8304e2fa00ecf36.json new file mode 100644 index 0000000000000000000000000000000000000000..02f7fdd4a3233944b02ec4e139bb265a75b82eeb --- /dev/null +++ b/chunks/json/fefa81607a4d106acffb8370402879b8ff70f129d8c8cd7fa8304e2fa00ecf36.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3403,"char_start":1768,"chunk_id":"chk_b353967f11819ae4","chunk_index":1,"chunk_sha256":"fefa81607a4d106acffb8370402879b8ff70f129d8c8cd7fa8304e2fa00ecf36","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_396b20365a811a69","text_sha256":"fefa81607a4d106acffb8370402879b8ff70f129d8c8cd7fa8304e2fa00ecf36","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/lsdu-release-notes-2-2.pdf"]},"text":"Enabling Users To Download P&I LAR Details For Prior Periods In The Cash Position\nSearch Results Screen\n\nWith this release, users will be able to download the prior period details of P&I LARs from the\nCash Position Search Results screen in order to see the details of the accepted LARs that were\nprocessed.\n\nEnabling Users To Download Cash Received Details In The Cash Position Search Results\nScreen\n\nWith this release, users will also be able to view the details of Cash Received from the Cash\nPosition Search Results screen for the selected and prior period in order to see the details of\nthe cash transactions.\n\nIncorporating Ask Poli In The Application User Interface\n\nAccess to Ask Poli, our popular policy and Servicing Guide search tool, will be added to the\nLSDU with the addition of a widget available on the user interface. Servicers can now get fast,\nclear answers to questions on Fannie Mae’s Selling Guide, Investor Reporting Manual, and\n\n© 2019 Fannie Mae. Trademarks of Fannie Mae.\n\nPage 1 of 2\n\nLSDU Guide, directly from the LSDU application, by clicking on the tab on the lower right side of\nthe user interface screen. The widget display expands from the right screen border to offer a\nquery field, information about Ask Poli, and trending topics to help users find answers efficiently\n(see screenshot below).\n\nUpdating The Look And Feel Of The User Interface\n\nWith this release, the look and feel of the LSDU user interface will be updated to align with our\nlatest design standards (as seen in the screenshot above).\n\nFor More Information\n\nFor more information about this release, please contact Future of Servicing.\n"} diff --git a/chunks/json/fefba53bc5f88032619205d93c95a53ff68a1cced3424c12f7540ea1a8d6d684.json b/chunks/json/fefba53bc5f88032619205d93c95a53ff68a1cced3424c12f7540ea1a8d6d684.json new file mode 100644 index 0000000000000000000000000000000000000000..df23c92a011716ddc32934659557805a0c7d14f8 --- /dev/null +++ b/chunks/json/fefba53bc5f88032619205d93c95a53ff68a1cced3424c12f7540ea1a8d6d684.json @@ -0,0 +1 @@ +{"chunk":{"char_end":135163,"char_start":133553,"chunk_id":"chk_804c2a04ec39119e","chunk_index":72,"chunk_sha256":"fefba53bc5f88032619205d93c95a53ff68a1cced3424c12f7540ea1a8d6d684","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"fefba53bc5f88032619205d93c95a53ff68a1cced3424c12f7540ea1a8d6d684","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"The sum of the construction and permanent financing terms is provided in ConstructionLoanTotalTermMonthsCount. The\nConstructionPeriodNumberofMonthsCount\nfor\nConstructionLoanTotalTermMonthsCount.\n\nto LoanMaturityPeriodCount\n\nto provide\n\nthe value\n\nis added\n\nTable 33. UCD v2.0 Spec Excerpt - Construction Loan Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOA\nNS/LOAN/CONSTRUCTION\n\n3.023\n\nConstructionLoanTotalTermMonthsCount\n\n369\n\n3.021\n\nConstructionLoanType\n\nConstructionToPermanent\n\n3.019\n\nConstructionPeriodNumberOfMonthsCount\n\n9\n\nN O T E : The May 2, 2018, amendment to the Regulation (83 FR 19159) concerns disclosure of several construction loan\ninspection and handling fees collected by the lender after closing. The GSEs are interested only in those transaction\ncharges occurring at or before closing, and did not add enumerations supporting these fees to UCD v1.5 or v2.0.\n\nUCD v2.0 Implementation Guide\n\n- 57 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 42. XML Snippet - Example of Construction Data.\n\n\n…\n\n \n \n\n\n\n369\n ConstructionToPermanent\n 9\n\n\n…\n\n\nUCD v2.0 Implementation Guide\n\n- 58 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n"} diff --git a/chunks/json/ff080892b2903216c6c1fcb9bb9e783043ae145fc7e300bbe806fa092bd24cd2.json b/chunks/json/ff080892b2903216c6c1fcb9bb9e783043ae145fc7e300bbe806fa092bd24cd2.json new file mode 100644 index 0000000000000000000000000000000000000000..2c00fb2cec4c7d92fb94d7eb2b55dab058e328c6 --- /dev/null +++ b/chunks/json/ff080892b2903216c6c1fcb9bb9e783043ae145fc7e300bbe806fa092bd24cd2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15717,"char_start":14316,"chunk_id":"chk_9281edc5687ab3f0","chunk_index":7,"chunk_sha256":"ff080892b2903216c6c1fcb9bb9e783043ae145fc7e300bbe806fa092bd24cd2","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9a8b7dcd848f50e9","text_sha256":"ff080892b2903216c6c1fcb9bb9e783043ae145fc7e300bbe806fa092bd24cd2","token_estimate":425,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Technology_Integration_Resources___Fannie_Mae.md"]},"text":"Pricing and Execution – Whole Loan (PE-Whole Loan)\n\n##### Integration Impact Memos\n\n- [PE - Whole Loan Integration Impact Memo | May 1, 2023](/media/document/pdf/pe-whole-loan-integration-impact-memo-may-1-2023)\n - [PE - Whole Loan Integration Impact Memo | Sept. 29, 2022](/media/document/pdf/pe-whole-loan-integration-impact-memo-sept-29-2022)\n - [PE - Whole Loan Integration Impact Memo | Aug. 15, 2022](/media/document/pdf/pe-whole-loan-integration-impact-memo-aug-15-2022)\n - [PE - Whole Loan Integration Impact Memo | July 29, 2022](/media/document/pdf/pe-whole-loan-integration-impact-memo-july-29-2022)\n - [PE - Whole Loan Integration Impact Memo | Aug. 19 , 2021](/media/document/pdf/pe-whole-loan-integration-impact-memo-aug-19-2021)\n - [PE - Whole Loan Integration Impact Memo | Jan. 5, 2021](https://singlefamily.fanniemae.com/media/document/pdf/pe-whole-loan-integration-impact-memo-jan-5-2020)\n - [PE - Whole Loan Integration Impact Memo | Dec. 31, 2020](/media/document/pdf/pe-whole-loan-integration-impact-memo-dec-31-2020)\n\n##### Integration Test Cases\n\n- [PE-WL Browse Price Suggested Test Cases](/media/document/xlsx/pe-wl-browse-price-suggested-test-cases)\n - [PE-WL Commitment Suggested Test Cases](/media/document/xlsx/pe-wl-commitment-suggested-test-cases)\n - [PE-WL Manage Commitment Suggested Test Cases](/media/document/xlsx/pe-wl-manage-commitment-suggested-test-cases)\n"} diff --git a/chunks/json/ff0dcecaa53d0d2ec57774932e5875de8dac43b88b1f84053f32de44acb953a2.json b/chunks/json/ff0dcecaa53d0d2ec57774932e5875de8dac43b88b1f84053f32de44acb953a2.json new file mode 100644 index 0000000000000000000000000000000000000000..97802ebb567a017ccf9611aebfd81d9a07e1e1bc --- /dev/null +++ b/chunks/json/ff0dcecaa53d0d2ec57774932e5875de8dac43b88b1f84053f32de44acb953a2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1995,"char_start":1338,"chunk_id":"chk_a7c4d1594e06d52f","chunk_index":2,"chunk_sha256":"ff0dcecaa53d0d2ec57774932e5875de8dac43b88b1f84053f32de44acb953a2","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"ff0dcecaa53d0d2ec57774932e5875de8dac43b88b1f84053f32de44acb953a2","token_estimate":486,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"The MISMO v3.4 Reference Model ..................................................................................................... 6\n\nNavigating the MISMO v3.4 Reference Model .................................................................................... 7\n\nContents of the MISMO v3.4 Logical Data Dictionary (LDD) ............................................................ 7\n\nUnderstanding Fannie Mae’s DU Spec ................................................................................................ 8\n\nNavigating the Fannie Mae DU Spec ................................................................................................... 8\n"} diff --git a/chunks/json/ff24b32a5ebb8dcc1b2dff30d233f8ba8a1d7b7f449470637705b6a516391c88.json b/chunks/json/ff24b32a5ebb8dcc1b2dff30d233f8ba8a1d7b7f449470637705b6a516391c88.json new file mode 100644 index 0000000000000000000000000000000000000000..b49baa9af8e07c98e07498354357a6a7cf025ee1 --- /dev/null +++ b/chunks/json/ff24b32a5ebb8dcc1b2dff30d233f8ba8a1d7b7f449470637705b6a516391c88.json @@ -0,0 +1 @@ +{"chunk":{"char_end":174586,"char_start":172979,"chunk_id":"chk_e8b9ddbfcde4374e","chunk_index":96,"chunk_sha256":"ff24b32a5ebb8dcc1b2dff30d233f8ba8a1d7b7f449470637705b6a516391c88","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"ff24b32a5ebb8dcc1b2dff30d233f8ba8a1d7b7f449470637705b6a516391c88","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"ProjectedPaymentPrincipalAndInterest\nMaximumPaymentAmount\n\n1007.35\n\n…PROJECTED_PAYMENT\n\n5.003\n\nSequenceNumber\n\n5.006\n\nProjectedPaymentPrincipalAndInterest\nMaximumPaymentAmount\n\n5.047\n\nProjectedPaymentPrincipalAndInterest\nMinimumPaymentAmount\n\nUCD v2.0 Implementation Guide\n\n2\n\n1452\n\n1007\n\n- 74 -\n\nBecause this is an ARM, the payment can change over the life\nof the loan. This data point captures the highest amount the\nprincipal and interest payment can be during this payment\nperiod.\n\nBecause this is an ARM, the payment can change over the life\nof the loan. This data point captures the lowest amount the\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 39. UCD v2.0 Spec Excerpt – Projected Payment Table Period Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point/Attribute\n\nDelivered Value\n\nImplementation Notes\n\n5.008\n\n5.010\n\nProjectedPaymentEstimatedEscrowPa\nymentAmount\n\nProjectedPaymentEstimatedTotalMaxi\nmumPaymentAmount\n\n356.00\n\n1808\n\n5.048\n\nProjectedPaymentEstimatedTotalMini\nmumPaymentAmount\n\n1363\n\n5.007\n\nProjectedPaymentMIPaymentAmount\n\n0.00\n\nprincipal and interest payment can be during this payment\nperiod.\n\nThe same estimated value for the escrow payment is provided\nin each instance of PROJECTED_PAYMENT.\n\nBecause this is an ARM, the payment can change over the life\nof the loan. This data point captures the highest amount the\nprincipal and interest payment can be during this payment\nperiod.\n\nBecause this is an ARM, the payment can change over the life\nof the loan. This data point captures the lowest amount the\npayment can be during this payment period.\n"} diff --git a/chunks/json/ff2d7d95c2b2691edaa20457087c81040863cff56f69e0f67748da3e757aaedb.json b/chunks/json/ff2d7d95c2b2691edaa20457087c81040863cff56f69e0f67748da3e757aaedb.json new file mode 100644 index 0000000000000000000000000000000000000000..01605086750c25619881ca08af58e206ef840e5c --- /dev/null +++ b/chunks/json/ff2d7d95c2b2691edaa20457087c81040863cff56f69e0f67748da3e757aaedb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":282977,"char_start":281267,"chunk_id":"chk_bb56058bfea643a4","chunk_index":157,"chunk_sha256":"ff2d7d95c2b2691edaa20457087c81040863cff56f69e0f67748da3e757aaedb","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"ff2d7d95c2b2691edaa20457087c81040863cff56f69e0f67748da3e757aaedb","token_estimate":428,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Introduction\n\nThis topic contains information on manufactured housing appraisal requirements, including:\n\n• Overview\n• Manufactured Housing Appraiser Qualifications\n• Manufactured Housing Appraisal Requirements and Standards\n• Newly Constructed Manufactured Housing Appraisal Requirements\n• Manufactured Housing Appraisal Site Requirements\n• Manufactured Housing Appraisal Comparable Selection Requirements Excluding MH Advantage\n• MH Advantage Appraisal Comparable Selection Requirements\n• Manufactured Housing Appraisal Cost Approach Requirements\n•\n\nSources of Manufactured Housing Data\n\nOverview\n\nFannie Mae requires market-based property valuations for manufactured homes demonstrated by a well-developed sales\ncomparison approach to value that is further supported by the cost approach to value.\n\nFor manufactured housing property eligibility requirements, including special appraisal requirements for MH Advantage\nproperties, see SB2-3-02, Special Property Eligibility and Underwriting Considerations: Factory-Built Housing. For manufactured\nhousing loan eligibility and underwriting requirements, see Selling Guide Chapter B5-2, Manufactured Housing.\n\nManufactured Housing Appraiser Qualifications\n\nThe valuation principles for appraising manufactured homes are essentially the same as for other types of residential property;\nhowever, not all appraisers have the knowledge and experience necessary to understand the unique construction process for\nmanufactured homes, nor the manufacturers’, federal, state, and local requirements for both construction and installation. The\nlender must ensure the appraiser is knowledgeable about the local manufactured home market and its unique construction\nprocess.\n"} diff --git a/chunks/json/ff2dc70752822cf46d38965eeff10ff1e8192d74b869b8d6dd0d650eccba70a1.json b/chunks/json/ff2dc70752822cf46d38965eeff10ff1e8192d74b869b8d6dd0d650eccba70a1.json new file mode 100644 index 0000000000000000000000000000000000000000..170f34a9f16d703504412006aad29e04cd691759 --- /dev/null +++ b/chunks/json/ff2dc70752822cf46d38965eeff10ff1e8192d74b869b8d6dd0d650eccba70a1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":393225,"char_start":391609,"chunk_id":"chk_a56dbd75d81fb689","chunk_index":230,"chunk_sha256":"ff2dc70752822cf46d38965eeff10ff1e8192d74b869b8d6dd0d650eccba70a1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ff2dc70752822cf46d38965eeff10ff1e8192d74b869b8d6dd0d650eccba70a1","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"4000\n\nString\n\nUAD Requirement - Refer to Appendix D Contract Section\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\nAllowable Values PDF Display\n Comp Grid Page 1\nREOSale REO REO sale\nShortSale Short Short sale\nCourtOrderedSale CrtOrd Court ordered sale\nEstateSale Estate Estate sale\nRelocationSale Relo Relocation sale\nNonArmsLengthSale NonArm Non-arms length sale\nArmsLengthSale ArmLth Arms length sale\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Contract Section\n\nExplain the results of the analysis of the contract for sale or why the analysis was not\nperformed.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nR\n\nR\n\nR\n\nIf field 1-33 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and\nonly one of fields 1-42, 1-43 (values of\nSales Contract Reviewed Indicator)\nmust be indicated.\n\nIf field 1-33 (Appraisal Purpose Type =\n'Purchase') is indicated, then one and\nonly one of fields 1-42, 1-43 (values of\nSales Contract Reviewed Indicator)\nmust be indicated.\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nThis field must be populated if field 1-\n33 (Appraisal Purpose Type =\n'Purchase') is indicated.\n\nCR\n\nCR\n\nCR\n\nThis field must be populated if field 1-\n33 (Appraisal Purpose Type =\n'Purchase') is indicated.\n\nCR\n\nCR\n\nCR\n\n48\n\n1\n\n45\n\nCONTRACT\n\nContract Price $\n\nSales Contract\nAmount\n\nThe amount of money the contract is for.\n"} diff --git a/chunks/json/ff41c710d26cfb5a1cd3c5c14857738f7425aa22e2a0e1f3e072e768d11a21bd.json b/chunks/json/ff41c710d26cfb5a1cd3c5c14857738f7425aa22e2a0e1f3e072e768d11a21bd.json new file mode 100644 index 0000000000000000000000000000000000000000..9d77641e8493e85895e6a29f9971e3d7a47b1b7a --- /dev/null +++ b/chunks/json/ff41c710d26cfb5a1cd3c5c14857738f7425aa22e2a0e1f3e072e768d11a21bd.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1130249,"char_start":1128649,"chunk_id":"chk_6775d682415c0bd1","chunk_index":671,"chunk_sha256":"ff41c710d26cfb5a1cd3c5c14857738f7425aa22e2a0e1f3e072e768d11a21bd","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"ff41c710d26cfb5a1cd3c5c14857738f7425aa22e2a0e1f3e072e768d11a21bd","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"*See field e-16 directly below.\n\nAt least one but no more than two values are\nrequired.\n\n239\n\n2\n\ne-16\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\nGSE Location Type\nOther Description\n\nText entry when 'Other' is selected as\nLocation Type.\n\n240\n\n2\n\n21\n\nSALES\nCOMPARISON\nAPPROACH\n\nLeasehold/Fee Simple\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA\nRISON_LOCATION_DETAIL_EXTENSION/COMPARISON_LOCATIO\nN_DETAIL_EXTENSION_SECTION[@ExtensionSectionOrganizationNa\nme='UNIFORM APPRAISAL\nDATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECT\nION_DATA/COMPARISON_LOCATION_DETAIL/.[@GSELocationType\n='Other']/@GSELocationTypeOtherDescription\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P\nRICE_ADJUSTMENT[@_Type='PropertyRights']/@_Description\n\n20\n\nString\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nIf a location factor not on the list materially affects the value of the property, the\nappraiser must select 'Other' and enter a description of the location associated with\nthe property. Free-form descriptions should be entered carefully because data will be\ntruncated on the appraisal report form if it exceeds available space for that field.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n"} diff --git a/chunks/json/ff49d7525e65d720a0687517d6654c3611466d0bec7112c9f6320915524f1f6b.json b/chunks/json/ff49d7525e65d720a0687517d6654c3611466d0bec7112c9f6320915524f1f6b.json new file mode 100644 index 0000000000000000000000000000000000000000..bd953b022ce4072fc516d3001350bd0d750dd260 --- /dev/null +++ b/chunks/json/ff49d7525e65d720a0687517d6654c3611466d0bec7112c9f6320915524f1f6b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4440,"char_start":2804,"chunk_id":"chk_9e5136122bee2ae0","chunk_index":2,"chunk_sha256":"ff49d7525e65d720a0687517d6654c3611466d0bec7112c9f6320915524f1f6b","date_utc":"2026-01-27T18:02:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b9127fb10690495e","text_sha256":"ff49d7525e65d720a0687517d6654c3611466d0bec7112c9f6320915524f1f6b","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/standard-arm-plan-matrix.pdf"]},"text":"3. Index – The index used for determining each interest rate adjustment.\n\n 30-Day Average SOFR: The 30-day average yield of the cost of borrowing cash overnight collateralized by the U.S. Treasury securities in the\nrepurchase agreement (repo) market as published by the Federal Reserve Bank of New York. [Index Code 96]\n\n4. ARM Plan Initial Fixed-Rate Interest Period/Subsequent Interest Rate Adjustment – This column indicates an initial fixed period during which the interest\n\nrate will not change, after which the interest will adjust with a specified frequency.\n\n The range of applicable initial fixed-rate interest period is described in the “Initial FR Int Per” portion of the column “ARM Plan Initial FR Int Per/Subseq IR\nAdj (in mos) as of Issue Date.” This range applies only to the initial fixed-rate period that is permitted in an MBS pool, as of the Issue Date of the pool.The\ninitial fixed-rate interest period in years must comply with the ARM Type in column 5 of this Matrix. For example, a 5-year ARM must have an initial fixed\nperiod of 60 months.\n\n Following the initial fixed-rate interest period, the interest rate of each ARM is subject to adjustment with the frequency stated in the category “Subseq IR\n\nAdj” portion of the column “ARM Plan Initial FR Int Per/Subseq IR Adj (in mos) as of Issue Date.”\n The interest rate adjustment frequency is the number of months between interest rate changes.\n\n5. ARM Type – Describes the period between interest rate adjustments (changes). For example, 3/6 mos describes a loan with an initial fixed rate for 3 years\n\nand subsequent rate changes every 6 months thereafter.\n"} diff --git a/chunks/json/ff4b70629ac9c6c66619bcf9e6faf4e505aa8c16c81483895d92f2f82bca06c3.json b/chunks/json/ff4b70629ac9c6c66619bcf9e6faf4e505aa8c16c81483895d92f2f82bca06c3.json new file mode 100644 index 0000000000000000000000000000000000000000..7544f116b6df514ef3367664ffaeb72bfdaae9df --- /dev/null +++ b/chunks/json/ff4b70629ac9c6c66619bcf9e6faf4e505aa8c16c81483895d92f2f82bca06c3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8626,"char_start":7064,"chunk_id":"chk_fa47207010d78d8f","chunk_index":4,"chunk_sha256":"ff4b70629ac9c6c66619bcf9e6faf4e505aa8c16c81483895d92f2f82bca06c3","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f1e9e323046af3f6","text_sha256":"ff4b70629ac9c6c66619bcf9e6faf4e505aa8c16c81483895d92f2f82bca06c3","token_estimate":417,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_House_Price_Index____FHFA_57dbusi.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n![3D line graph](/sites/default/files/styles/desktop_hero/public/2025-03/hpi-hero-banner.jpg.webp?itok=Yp5mN6Bh)\n\n# FHFA House Price Index®\n\nThe FHFA HPI® is a comprehensive​ collection of publicly available house price indexes that measure changes in single-family home values based on data that extend back to the mid-1970s from all 50 states and over 400 American cities.\n"} diff --git a/chunks/json/ff4ec9a8d17bfcd7a3184b5ad46f4dd346402746fd3faa3eb07035aaef0fe174.json b/chunks/json/ff4ec9a8d17bfcd7a3184b5ad46f4dd346402746fd3faa3eb07035aaef0fe174.json new file mode 100644 index 0000000000000000000000000000000000000000..570bfaf82303a40b94ac9d34c6e339dc4099792e --- /dev/null +++ b/chunks/json/ff4ec9a8d17bfcd7a3184b5ad46f4dd346402746fd3faa3eb07035aaef0fe174.json @@ -0,0 +1 @@ +{"chunk":{"char_end":67551,"char_start":66619,"chunk_id":"chk_00f484a304e22d34","chunk_index":70,"chunk_sha256":"ff4ec9a8d17bfcd7a3184b5ad46f4dd346402746fd3faa3eb07035aaef0fe174","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"ff4ec9a8d17bfcd7a3184b5ad46f4dd346402746fd3faa3eb07035aaef0fe174","token_estimate":405,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Commentary on Remaining Economic Life\n\nCommentary on Effective Age\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:21)(cid:20)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:21)\n\n(cid:21)\n\nDepreciated Cost - Outbuilding - [Outbuilding Type]\n\n(cid:21)(cid:24)(cid:17)(cid:19) (cid:22)(cid:21)\n\n(cid:21)(cid:24)(cid:17)(cid:19) (cid:23)(cid:21)\n\nPhysical Depreciation\n\nFunctional Depreciation\n\nExternal Depreciation\n\nTotal Depreciation\n\nManufactured Home Delivery,\nInstallation, and Set Up\n\nAs Is Value of Site Improvements\n\nDescription\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)(cid:26)\n\nSite Value\n\n(cid:21)(cid:24)(cid:17)(cid:19) (cid:24)(cid:21)\n\n@\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:21)(cid:25)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:21)(cid:27)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)(cid:19)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)\n\n(cid:21)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:21)(cid:26)\n\n(cid:21)(cid:24)(cid:17)(cid:19)(cid:21)(cid:28)\n"} diff --git a/chunks/json/ff741d3807e961ccba5f495eedf0b7e22556dbccf420bf7c32f9e41a800e7d96.json b/chunks/json/ff741d3807e961ccba5f495eedf0b7e22556dbccf420bf7c32f9e41a800e7d96.json new file mode 100644 index 0000000000000000000000000000000000000000..554e4bb55447627eaeff8134c48cc68aa3e64559 --- /dev/null +++ b/chunks/json/ff741d3807e961ccba5f495eedf0b7e22556dbccf420bf7c32f9e41a800e7d96.json @@ -0,0 +1 @@ +{"chunk":{"char_end":114792,"char_start":113167,"chunk_id":"chk_6261d378bef46339","chunk_index":60,"chunk_sha256":"ff741d3807e961ccba5f495eedf0b7e22556dbccf420bf7c32f9e41a800e7d96","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"ff741d3807e961ccba5f495eedf0b7e22556dbccf420bf7c32f9e41a800e7d96","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"\n \n\n\n\n…\n\n\n2. GENERAL CLOSING DATA\n\nThe data points in the CLOSING_INFORMATION_DETAIL container populate two sections of the CD. One data point,\nCurrentRateSetDate, is GSE-specific so is not rendered on the form.\n\nTable 26. XML File Container Supporting General Closing Cost Data.\n\nUCD UIDs\n\nContainers\n\nUCD Usage Notes\n\n999.102\n\nCLOSING_INFORMATION_DETAIL\n\nInformation about the actual closing and the borrowers’ cash to close.\n\na. Total Cash to or from Borrower\n\nThe first data points in the container are the total cash to close either from or to the borrower. The data points are\n\nrendered on two separate locations on the CD when the Model form is used.\n\nFigure 33. Rendering Total Cash to Close Data on the CD.\n\nCosts at Closing\n\n6.0\n\nSummaries of Transactions\n\n(Model Form only)\n\n6.2 Cash to Close\n\n6.2.1 $25,332.30\n\n13.3 Cash to Close From To Borrower\n\n13.3.1 $25,332.30\n\nBORROWER’S TRANSACTION (11.0 – 13.0)\n\n13.0 CALCULATION\n\nFor Cash\n\nto Close on\n\nthe Summaries of Transactions,\n\nfor\nIntegratedDisclosureSectionType = “DueFromBorrowerAtClosing” is greater than IntegrationDisclosureSectionTotalAmount\nfor IntegratedDisclosureSectionType = “PaidAlreadyByOrOnBehalfOfBorrowerAtClosing”, the resulting amount is positive, so\ncash is due from the borrower and the amount is provided in CashFromBorrowerAtClosingAmount. When the result is\nnegative, the amount is provided in CashToBorrowerAtClosingAmount. Only one of these data points can be present in the\nXML file.\n\nIntegrationDisclosureSectionTotalAmount\n\nif\n\nUCD v2.0 Implementation Guide\n"} diff --git a/chunks/json/ff79c2d86dce5e5d3cd73be26be0bbd1951ecdeb649df68d38d9a9be0633b337.json b/chunks/json/ff79c2d86dce5e5d3cd73be26be0bbd1951ecdeb649df68d38d9a9be0633b337.json new file mode 100644 index 0000000000000000000000000000000000000000..c19b66a2111a232c893dbd929c61d3763db47087 --- /dev/null +++ b/chunks/json/ff79c2d86dce5e5d3cd73be26be0bbd1951ecdeb649df68d38d9a9be0633b337.json @@ -0,0 +1 @@ +{"chunk":{"char_end":315753,"char_start":314046,"chunk_id":"chk_35df2a3db637071f","chunk_index":186,"chunk_sha256":"ff79c2d86dce5e5d3cd73be26be0bbd1951ecdeb649df68d38d9a9be0633b337","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"ff79c2d86dce5e5d3cd73be26be0bbd1951ecdeb649df68d38d9a9be0633b337","token_estimate":427,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Choose an\nallowable answer\nfrom table (Below\nGrade Exterior\nAccess)\n\nBelow Grade Access: The entrances and exits to a below grade or partially\nbelow grade level.\n•\n•\n•\n\nInterior and Exterior Access\nInterior Access Only\nExterior Access Only\n\nCellar Door\n\nBelow Grade Exterior Access: The primary type of exterior access for any below\ngrade or partially below grade level.\n•\n• Walk Out\n• Walk Up\n•\n\nOther (Describe)\n\nAppendix F-1: URAR Reference Guide\n\nPage 132 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nReport\nField ID\n\n10.031\n10.032\n\nReport Label\n\nWhen to Include\n\nFinish\n(Finished)\nArea\n\nRequired for each\nabove grade level in\nthe unit\n\nUnit Interior: Level and Room Detail\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nNumber of square\nfeet\n\nFinished Area of Level: The total finished area of the level, including standard\nand nonstandard finished area.\n\nNote: Nonstandard and standard finished areas are only combined in the Level\nand Room Detail table. They are reported separately in Area Breakdown\n(10.003-10.008) and in the Sales Comparison Approach.\n\nReference published guidelines by the GSEs, government agencies, or other\nidentified secondary market participants for specific guidance.\n\n10.031\n10.032\n\nFinish\n(Unfinished)\nArea\n\nRequired for each level\nin the unit\n\nNumber of square\nfeet\n\nUnfinished Area of Level: Area of the level that is not finished area.\nNotes:\n•\n\nA photo of the unfinished area may be provided, which displays in Unit\nInterior Exhibits. An additional caption must be provided indicating\n“Unfinished Area”, and any other descriptive information as appropriate.\nIf Unfinished Area of Level is 0, the “Unfinished” row does not display.\n"} diff --git a/chunks/json/ffab8f82bc6f0d86089005bfc48f258f0e252069db0acc2b03c4b2f4ea883f24.json b/chunks/json/ffab8f82bc6f0d86089005bfc48f258f0e252069db0acc2b03c4b2f4ea883f24.json new file mode 100644 index 0000000000000000000000000000000000000000..bbd9312effcdfdd59f03a900510d4852def9520f --- /dev/null +++ b/chunks/json/ffab8f82bc6f0d86089005bfc48f258f0e252069db0acc2b03c4b2f4ea883f24.json @@ -0,0 +1 @@ +{"chunk":{"char_end":382940,"char_start":381258,"chunk_id":"chk_f06bc80a47183408","chunk_index":213,"chunk_sha256":"ffab8f82bc6f0d86089005bfc48f258f0e252069db0acc2b03c4b2f4ea883f24","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"ffab8f82bc6f0d86089005bfc48f258f0e252069db0acc2b03c4b2f4ea883f24","token_estimate":421,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"• Any costs associated with the removal of the traded home or any outstanding indebtedness secured by liens on the\n\nhome must be deducted from the maximum equity contribution.\n\nTraded Manufactured Homes\n\nFor traded manufactured homes, Fannie Mae requires a lien search in the appropriate real property and personal property\nrecords to verify ownership and to determine whether there are any existing liens on the manufactured home and land, or on\nthe home and the land if they are encumbered by separate liens. The seller of the new manufactured home must provide\nproof of title transfer and satisfaction of any existing liens on the traded manufactured home.\n\nPurchase Money Transactions\n\nPurchase money transactions are those in which the mortgage proceeds are used to finance the purchase of the\nmanufactured home or the manufactured home and the land. The land may be previously owned by the borrower, either free\nof any mortgage or subject to a mortgage that will be paid off with the proceeds of the new purchase money mortgage.\n\nNote: The borrower does not receive any cash back with a purchase money transaction.\n\nNew Manufactured Homes\n\nThe LTV ratio (and CLTV/HCLTV ratio, if applicable) for a loan secured by a newly built manufactured home that is being\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 154 of 166\n\nUAD 3.6 Policy\n\nattached to a permanent foundation system in connection with a purchase transaction will be based on the lower of:\n\n•\n\nthe sales price of the manufactured home plus:\n\no\n\no\n\nthe lowest sales price at which the land was sold during that 12 month period if the land was purchased in the\n12 months preceding the loan application date; or\n"} diff --git a/chunks/json/ffaf54e0320c6169c82b2ac7deec4d55977a8bdd3779e6a5f15bee48432abe08.json 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When “true”, do not display the report label, display table.\n• When “false” AND (“GreenCertificationExistsIndicator”\n\nAND/OR ”EfficiencyRatingExistsIndicator” = “true”), display\nNone.\n\n• When “false” AND (”GreenCertificationExistsIndicator” AND\n”EfficiencyRatingExistsIndicator” = “false”), Energy Efficient\nand Green Features section does not display.\n\n6.001\n\nRenewable Energy Component\n\n2600.0019\n\nRenewableEnergyComponentType\n\n6.002\n\nOwnership\n\n2600.0017\n\nRenewableEnergyComponentOwnershipType\n\n6.003\n\nFinancing Arrangement\n\n2600.0016\n\nRenewableEnergyComponentFinancedIndicator\n\nDisplay when RenewableEnergyComponentExistsIndicator\n= “true”\n\nDisplay when RenewableEnergyComponentExistsIndicator\n= “true” AND Exists\n\nDisplay when RenewableEnergyComponentOwnershipType\n= \"Owned\"\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport\nField ID\n\nReport Label\n\nEnergy Efficient and Green Features: General Information\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nPage 146\n\n6.004\n\nKnown Building Certifications\n\n2600.0004\n\nGreenCertificationExistsIndicator\n\n6.005\n\nBuilding Certification Organization\n\n2600.0006\n\nGreenCertificationAssociationName\n\n6.006\n\nCertification\n\n2600.0009\n\nGreenCertificationName\n\n6.007\n\nYear\n\n6.008\n\nVersion\n\n6.009\n\nRating\n\n2600.0007\n\nGreenCertificationLevelAwardedYear\n\n2600.0010\n\nGreenCertificationVersionIdentifier\n\n2600.0008\n\nGreenCertificationLevelName\n\n6.010\n\nKnown Efficiency Ratings\n\n2600.0003\n\nEfficiencyRatingExistsIndicator\n"} diff --git a/chunks/json/ffb2477eb3f96e82776a6562c356d0d126d62ae650a2a45353a899e0500da37e.json b/chunks/json/ffb2477eb3f96e82776a6562c356d0d126d62ae650a2a45353a899e0500da37e.json new file mode 100644 index 0000000000000000000000000000000000000000..5caccc86830c1c6debe7d07c57b567cac0bc6349 --- /dev/null +++ b/chunks/json/ffb2477eb3f96e82776a6562c356d0d126d62ae650a2a45353a899e0500da37e.json @@ -0,0 +1 @@ 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}; h.appendChild(s); })();\n"} diff --git a/chunks/json/ffb56c5b911012736e5813a74cb41b86bdc5c8110185ae1172d462411d7df57b.json b/chunks/json/ffb56c5b911012736e5813a74cb41b86bdc5c8110185ae1172d462411d7df57b.json new file mode 100644 index 0000000000000000000000000000000000000000..76f58d69bb2c7f2918405d1da1ab335cf8673bd7 --- /dev/null +++ b/chunks/json/ffb56c5b911012736e5813a74cb41b86bdc5c8110185ae1172d462411d7df57b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11643,"char_start":10027,"chunk_id":"chk_7fb13ff7b8966aa9","chunk_index":4,"chunk_sha256":"ffb56c5b911012736e5813a74cb41b86bdc5c8110185ae1172d462411d7df57b","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9c615d2cd25ff8f","text_sha256":"ffb56c5b911012736e5813a74cb41b86bdc5c8110185ae1172d462411d7df57b","token_estimate":404,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2023.pdf"]},"text":"1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership); 8=No Co-Borrower\n\n1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership); 8=No Co-Borrower\n\n1=American Indian or Alaska Native; 2=Asian; 3=Black\nor African American; 4=Native Hawaiian or other\nPacific Islander; 5=White; 6=Information not provided;\n7=Not Applicable (borrower is an institution,\ncorporation or partnership); 8=No Co-Borrower\n\n1=HOEPA: High-Cost Mortgage; 2=HOEPA: Not a High-\nCost Mortgage; 3=Not subject to HOEPA\n1=Secured by first lien; 2=Secured by a subordinate\nlien; 3=Not secured by a lien; 4=Not Applicable\n\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\nN/A\n\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\nRemoved For 2019 Data and Later\n\nCoop\nFeatureID\nFedInsbltyPlan\nGeog\nGSEREO\nIncRat\nRent1\nRent2\nRent3\nRent4\nRentUT1\nRentUT2\nRentUT3\nRentUT4\nSpcHSGGoals\nTractRat\n"} diff --git a/chunks/json/ffb63e1dc505acce84a2dbe7324ece4ea04b7175bdc98ec31668c9706d9b1d6f.json b/chunks/json/ffb63e1dc505acce84a2dbe7324ece4ea04b7175bdc98ec31668c9706d9b1d6f.json new file mode 100644 index 0000000000000000000000000000000000000000..e2ee029829a8a2dec4f1080666af513d98d8de7a --- /dev/null +++ b/chunks/json/ffb63e1dc505acce84a2dbe7324ece4ea04b7175bdc98ec31668c9706d9b1d6f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13626,"char_start":10293,"chunk_id":"chk_add3c669e6204b87","chunk_index":6,"chunk_sha256":"ffb63e1dc505acce84a2dbe7324ece4ea04b7175bdc98ec31668c9706d9b1d6f","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8d08352e661698a4","text_sha256":"ffb63e1dc505acce84a2dbe7324ece4ea04b7175bdc98ec31668c9706d9b1d6f","token_estimate":1033,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Market_Data___FHFA_vpjg5h.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\\/651\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"} diff --git a/chunks/json/ffd26cda9940e9aa6a57a3ce02533f51658538abadd15005d24610aafb698b4a.json b/chunks/json/ffd26cda9940e9aa6a57a3ce02533f51658538abadd15005d24610aafb698b4a.json new file mode 100644 index 0000000000000000000000000000000000000000..21ee7564e93b29607ee0fb58dc2066c174fb2bc5 --- /dev/null +++ b/chunks/json/ffd26cda9940e9aa6a57a3ce02533f51658538abadd15005d24610aafb698b4a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1722,"char_start":0,"chunk_id":"chk_5b4f0afe11984ce1","chunk_index":0,"chunk_sha256":"ffd26cda9940e9aa6a57a3ce02533f51658538abadd15005d24610aafb698b4a","date_utc":"2026-01-27T17:54:31+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e55b973f9aa14413","text_sha256":"ffd26cda9940e9aa6a57a3ce02533f51658538abadd15005d24610aafb698b4a","token_estimate":527,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Fair_Lending_Data___FHFA_gfhp3b.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/fair-lending\"\ndate_accessed: \"2026-01-27T17:54:20.633Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"} diff --git a/chunks/json/ffdb245be4dee6f053d0d73d6a740c77bf80984f2ab46fd5f5af3056751da02a.json b/chunks/json/ffdb245be4dee6f053d0d73d6a740c77bf80984f2ab46fd5f5af3056751da02a.json new file mode 100644 index 0000000000000000000000000000000000000000..34db657964bba3d4671ae55b28439aa68d1f4998 --- /dev/null +++ b/chunks/json/ffdb245be4dee6f053d0d73d6a740c77bf80984f2ab46fd5f5af3056751da02a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3692,"char_start":1815,"chunk_id":"chk_656d533621ffd6f5","chunk_index":1,"chunk_sha256":"ffdb245be4dee6f053d0d73d6a740c77bf80984f2ab46fd5f5af3056751da02a","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ddef7627ae864b23","text_sha256":"ffdb245be4dee6f053d0d73d6a740c77bf80984f2ab46fd5f5af3056751da02a","token_estimate":469,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-nov-15-2025.pdf"]},"text":"Note: Refer to the Appendix for the updated appraisal messages.\n\nRelease Support\n\nThe changes in the DU V. 12.0 November Update will be implemented in the DU integration environment on or around Oct. 15,\n2025.\n\nAs required by the Integration Agreement, integrated vendors’ systems must be able to support any changes to Fannie Mae\nservices, including DU, no later than 120 days after the date the related specifications are made available. If your product or\ninterface is unable to support the release in accordance with this timeline, please notify your Fannie Mae representative.\n\nIf you have questions about the integration impact or if you require support specific to this release, contact your Technology\nIntegration Analyst or Integration Support. For more information about DU, visit the DU page or contact your Fannie Mae\nrepresentative.\n\n© 2025 Fannie Mae 9.24.25 1 of 3\n\nAppendix\n\nMsg\nID\n\nCurrent Message Text\n\nNew Message Text\n\n1404 An appraisal based on an interior and exterior\nproperty inspection reported on Form 1025 is\nrequired for this transaction.\n\n1990 An appraisal based on an interior and exterior\nproperty inspection reported on Form 1004C is\nrequired for this transaction.\n\n2125 This transaction requires a traditional appraisal\n\nthat must be provided on the Uniform Residential\nAppraisal Report (Fannie Mae Form 1004 March\n2005). The loan casefile may also be eligible for\nother property assessment and valuation options.\nAll eligible options will be displayed in the Property\nand Appraisal Information section.\n\n2129 This transaction requires a traditional appraisal\n\nthat must be provided on the Uniform Residential\nAppraisal Report (Fannie Mae Form 1004 March\n2005). The loan casefile may also be eligible for\nother property assessment and valuation options.\nAll eligible options will be displayed in the Property\nand Appraisal Information section.\n"} diff --git a/chunks/json/ffdb77806f5350f46651f17aa4dbe709fd1ea86e81a263d38ce75058b3d7d257.json b/chunks/json/ffdb77806f5350f46651f17aa4dbe709fd1ea86e81a263d38ce75058b3d7d257.json new file mode 100644 index 0000000000000000000000000000000000000000..f3467df7a3c9d86613895d56e5f6de53f0ce6238 --- /dev/null +++ b/chunks/json/ffdb77806f5350f46651f17aa4dbe709fd1ea86e81a263d38ce75058b3d7d257.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12452,"char_start":10849,"chunk_id":"chk_93cbd494e2eb8caf","chunk_index":6,"chunk_sha256":"ffdb77806f5350f46651f17aa4dbe709fd1ea86e81a263d38ce75058b3d7d257","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_754a964b374dcce9","text_sha256":"ffdb77806f5350f46651f17aa4dbe709fd1ea86e81a263d38ce75058b3d7d257","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Do_Business_with_Us___FHFA_pazjp.md"]},"text":"FHFA uses a \"soup-to-nuts\" approach to acquisition.\n\nA contracting officer maintains control and responsibility from identification of the need through contract administration and closeout.\n\nThe basic phases of the contracting process include:\n\n- ***Presolicitation***—Identifying the requirement, performing market research, preparing the statement of work and solicitation.\n- ***Solicitation***—Identifying prospective offerors, issuing the solicitation, and receiving proposals or quotes.\n- ***Evaluation***—Evaluating the responsive technical and price proposals or quotes submitted by offerors or vendors.\n- ***Award***—Making the best value decision for the award, obtaining approvals, and executing the contract with the successful offeror. This stage also includes notifying the unsuccessful offerors and conducting debriefings, as appropriate.\n## Contract Administration\n\nFHFA's administration of the contract follows for the life of the contract and includes:\n\n- performance monitoring\n- executing modifications\n- handling claims\n- inspection and acceptance of the goods or services\n- invoice processing and payment\n- closeout\n## Contractors and Subcontractors\n\nEligible firms interested in providing goods or services to FHFA may respond to our solicitations. Your goal should be to offer the best possible technical and price solution for our requirement.\n\nThis includes forming the most attractive team to perform under the contract. In cases where a firm may need to supplement its technical expertise, subcontracting or teaming arrangements may be the solution.\n\n## Acquisition Thresholds\n"} diff --git a/chunks/json/ffe2bb7297e7023ed9279ec4699b05b2910263ae486117ca186cffc2b8a84655.json b/chunks/json/ffe2bb7297e7023ed9279ec4699b05b2910263ae486117ca186cffc2b8a84655.json new file mode 100644 index 0000000000000000000000000000000000000000..7f004a1499bd0ec866b0c1074a8656348853b4a3 --- /dev/null +++ b/chunks/json/ffe2bb7297e7023ed9279ec4699b05b2910263ae486117ca186cffc2b8a84655.json @@ -0,0 +1 @@ +{"chunk":{"char_end":277502,"char_start":275891,"chunk_id":"chk_2e43f6e87cb08df2","chunk_index":147,"chunk_sha256":"ffe2bb7297e7023ed9279ec4699b05b2910263ae486117ca186cffc2b8a84655","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"ffe2bb7297e7023ed9279ec4699b05b2910263ae486117ca186cffc2b8a84655","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"8. 1 TAXES AND OTHER GOVE RNMENT FEES\n\nThis category includes any Recording Fees assessed by a government authority to record and index documents\nrelated to property transfers under State or local law. Recording fees are assessed based on the type of\ndocument to be recorded or its physical characteristics, such as the number of pages. Unlike transfer taxes,\nrecording fees are not based on the sale price of the property or loan amount.\n\nAppendix E: UCD Implementation Guide\n\nPage 126 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\nAlso disclosed are Transfer Taxes--State and local government fees on mortgages and home sales that are based\non the loan amount or sales price.\n\nBorrower-Paid\n\nSeller-Paid\n\nAt Closing\n\nBefore Closing\n\nAt Closing\n\nBefore Closing\n\nPaid by\nOthers\n\nOther Costs\n\n8.0\n\n8.1 E. Taxes and Other Government Fees\n\n018.2 Recording Fees 8.2 Deed: 8.2.1 $40.00 8.2 Mortgage:\n\n8.2.1 $45.00\n\n028.3 Transfer taxes to 8.3.1 State of Maryland\n\n038.3 Transfer taxes to 8.3.1 Montgomery County\n\n8.2.2\n\n8.3.2\n\n8.1.1 $985.00\n$85.00 8.2.3\n\n8.2.4\n\n8.2.5\n\n8.2.6\n\n8.3.3\n\n8.3.4\n\n$950.00 8.3.5\n\n8.3.6\n\n$900.00\n\nFigure 81. Taxes and Other Government Fees\n\nExcept for Recording Fees for Deed and Mortgage, which are described below, all transfer taxes and other\ngovernment fee line items are disclosed according to the following pattern.\n\n1.\n\nIdentify the tax or government fee (8.3). Use a separate line item for taxes paid separately to different\njurisdictions. Implementers must label the cost using clear and conspicuous terminology describing the\nservice or function paid for.\n"} diff --git a/chunks/json/ffe3dabbff91ff10bfffb2bf0839cf20f0bb436ab073f584c2eb3049a355737d.json b/chunks/json/ffe3dabbff91ff10bfffb2bf0839cf20f0bb436ab073f584c2eb3049a355737d.json new file mode 100644 index 0000000000000000000000000000000000000000..05aeb0bbd573c33dcb8c1469c0cfa0853bb9c177 --- /dev/null +++ b/chunks/json/ffe3dabbff91ff10bfffb2bf0839cf20f0bb436ab073f584c2eb3049a355737d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":370131,"char_start":368512,"chunk_id":"chk_cbf6916a7d6281b4","chunk_index":298,"chunk_sha256":"ffe3dabbff91ff10bfffb2bf0839cf20f0bb436ab073f584c2eb3049a355737d","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"ffe3dabbff91ff10bfffb2bf0839cf20f0bb436ab073f584c2eb3049a355737d","token_estimate":405,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Dwelling(s) is the third of six subsections that has adjustments at the row level.\n\nPage 285\n\nThere are 16 defined rows in this subsection.\n\n➢\n➢\n➢\n➢\n\n3 rows are required (Always)\n1 row is conditionally required (If Applicable)\n12 rows may be provided (If Relevant)\nAdditional rows may be added to this section\n\nIf there are multiple dwellings, information is either:\n\n• Listed separately for each dwelling in one row. Example: If there are two dwellings, the Year Built and Dwelling Style rows reflect the\nanswers for all dwellings. (Figure 22-11, showing Year Built, where the vendor has included the subject property information for all\ndwellings).\n\n• Combined for all dwellings in one row. Example: The Gross Building Finished Area and Noncontinuous Finished Area rows reflect the\n\ntotal area across all dwellings. These are both reflected as “Sales Grid Only” in the “Supplement - Approaches to Value Grids”\nspreadsheet.\n\no TotalFinishedAreaOfAllLivingUnitsIncludingADUAreaMeasure (UID:1800.0184, FID: 22.05.04), which must be directly input for\n\nthe subject property if the row is included (Figure 22-11).\n\nFigure 22 - 11\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nEnergy Efficient and Green Features\n\nThe Energy Efficient and Green Features subsection displays only when relevant to the analysis.\n\nEnergy Efficient and Green Features is the third of four subsections that has an overall adjustment at the section header level.\n\nPage 286\n\nThere are 3 defined rows in this subsection.\n\n➢ No rows are required (Always)\n➢ No rows are conditionally required (If Applicable)\n➢\n\n3 rows may be provided (If Relevant)\n"} diff --git a/chunks/json/ffedf2bcd7153e4ff081b02ae84e545c3a9234c4daa3a2399eb5d6bc9baf6794.json b/chunks/json/ffedf2bcd7153e4ff081b02ae84e545c3a9234c4daa3a2399eb5d6bc9baf6794.json new file mode 100644 index 0000000000000000000000000000000000000000..47fabcc76005173e6b2eaf1a0b0d330d30b4cc6e --- /dev/null +++ b/chunks/json/ffedf2bcd7153e4ff081b02ae84e545c3a9234c4daa3a2399eb5d6bc9baf6794.json @@ -0,0 +1 @@ +{"chunk":{"char_end":73601,"char_start":71810,"chunk_id":"chk_512c2e075f19926a","chunk_index":39,"chunk_sha256":"ffedf2bcd7153e4ff081b02ae84e545c3a9234c4daa3a2399eb5d6bc9baf6794","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"ffedf2bcd7153e4ff081b02ae84e545c3a9234c4daa3a2399eb5d6bc9baf6794","token_estimate":448,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Multifamily Affordable Units:\n\nMultifamily Affordable Units is a new\nHMDA data element that indicates the\nexact number of individual dwelling\nunits related to the property that are\nincome-restricted under federal, state, or\nlocal affordable housing programs.137\nThe Enterprises indicated that they\ncollect this data. Multifamily Affordable\nUnits will be disclosed as a percentage\nof total units in the PUDB Multifamily\nCensus Tract File, in conformance with\nthe CFPB Privacy Guidance.138\n\nLoan Amount (Note Amount): Loan\n\nAmount is a modified HMDA data\nelement that identifies the Note Amount\nand the UPB at the time of purchase\n(discussed below in Section II.C.2.i.).\nThe Enterprises collect both data\nelement values. The current PUDB\nMultifamily Census Tract File does not\ninclude Note Amount. A new data\nelement for Note Amount that will\nidentify the amount to be repaid as\ndisclosed on the legal obligation will be\nadded to the PUDB Multifamily Census\nTract File. Note Amount will be\ndisclosed as the midpoint of the $10,000\ninterval in which the actual amount\nfalls, in conformance with the CFPB\nPrivacy Guidance.139\n\nLoan Purpose (Cash-Out Refinancing):\nLoan Purpose is a modified HMDA data\nelement that indicates whether the loan\nwas for Purchase, Refinancing, Home\nImprovement, Cash-Out Refinancing, or\nOther. The Regulation C amendments\nadded the values for Cash-Out\nRefinancing 140 and Other. (The other\nLoan Purpose values are discussed\nseparately below in Section II.C.2.ii.).\nFannie Mae indicated that it collects\nCash-Out Refinancing for multifamily\nloans, but Freddie Mac indicated that it\ndoes not. Cash-Out Refinancing will be\nadded without modification to the\nPUDB Multifamily Census Tract File as\na value for Loan Purpose, in\nconformance with the CFPB Privacy\nGuidance.141\n"} diff --git a/chunks/json/ffee6288eded49977741edd6d3e81ba009e53d77ea4d8bf67345250e8da69c47.json b/chunks/json/ffee6288eded49977741edd6d3e81ba009e53d77ea4d8bf67345250e8da69c47.json new file mode 100644 index 0000000000000000000000000000000000000000..2dfb72f897d8beb8849cd5a5680d08e089f987d6 --- /dev/null +++ b/chunks/json/ffee6288eded49977741edd6d3e81ba009e53d77ea4d8bf67345250e8da69c47.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14378,"char_start":10563,"chunk_id":"chk_867d697834fb9fa8","chunk_index":6,"chunk_sha256":"ffee6288eded49977741edd6d3e81ba009e53d77ea4d8bf67345250e8da69c47","date_utc":"2026-01-27T17:47:58+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8a75c4200dbccd53","text_sha256":"ffee6288eded49977741edd6d3e81ba009e53d77ea4d8bf67345250e8da69c47","token_estimate":1135,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Annual_Report_to_Congress___U_S__FEDERAL_HOUSING_5kmm5t.md"]},"text":"[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/181&order=field_release_date&sort=asc) Report Attachment June 13, 2025 [Annual Report to Congress - 2024](/reports/annual-report-to-congress/2024) [Read Report](/document/fhfa-2024-annual-report-to-congress.pdf) June 14, 2024 [Annual Report to Congress - 2023](/reports/annual-report-to-congress/2023) [Read Report](/document/fhfa-2023-annual-report-to-congress) June 15, 2023 [Annual Report to Congress - 2022](/reports/annual-report-to-congress/2022) [Read Report](/AboutUs/Reports/ReportDocuments/FHFA-2022-Annual-Report-to-Congress.pdf) June 15, 2022 [Annual Report to Congress - 2021](/reports/annual-report-to-congress/2021) [Read Report](/document/fhfa-2021-annual-report-to-congress) June 15, 2021 [Annual Report to Congress - 2020](/reports/annual-report-to-congress/2020) [Read Report](/document/fhfa-2020-report-to-congress) June 15, 2020 [Annual Report to Congress - 2019](/reports/annual-report-to-congress/2019) [Read Report](/document/fhfa-2019-report-to-congress) June 12, 2019 [Annual Report to Congress - 2018](/reports/annual-report-to-congress/2018) [Read Report](/document/2018-annual-report-to-congress) May 23, 2018 [Annual Report to Congress - 2017](/reports/annual-report-to-congress/2017) [Read Report](/document/2017-annual-report-to-congress) June 15, 2017 [Annual Report to Congress - 2016](/reports/annual-report-to-congress/2016) [Read Report](/document/fhfa-2016-report-to-congress) June 15, 2016 [Annual Report to Congress - 2015](/reports/annual-report-to-congress/2015) [Read Report](/document/annual-report-to-congress-2015) June 15, 2015 [Annual Report to Congress - 2014](/reports/annual-report-to-congress/2014) [Read Report](/document/fhfa-2014-report-to-congress) June 13, 2014 [Annual Report to Congress - 2013](/reports/annual-report-to-congress/2013) [Read Report](/document/fhfa_2013_report_to_congress) June 13, 2013 [Annual Report to Congress - 2012](/reports/annual-report-to-congress/2012) [Read Report](/document/annual-report-to-congress-2012) June 13, 2012 [Annual Report to Congress - 2011](/reports/annual-report-to-congress/2011) [Read Report](/document/annual-report-to-congress-2011) June 13, 2011 [Annual Report to Congress - 2010](/reports/annual-report-to-congress/2010) [Read Report](/document/annual-report-to-congress-2010) May 25, 2010 [Annual Report to Congress - 2009](/reports/annual-report-to-congress/2009) [Read Report](/document/annual-report-to-congress-2009) May 18, 2009 [Annual Report to Congress (Revised) - 2008](/reports/annual-report-to-congress/2008-revised) [Read Report](/document/annual-report-to-congress-2008) April 15, 2008 [Annual Report to Congress - 2008](/reports/annual-report-to-congress/2008) [Read Report](/document/ofheo-report-to-congress-2008) June 15, 2007 [Annual Report to Congress - 2007](/reports/annual-report-to-congress/2007) [Read Report](/document/ofheo-report-to-congress-2007) June 15, 2006 [Annual Report to Congress - 2006](/reports/annual-report-to-congress/2006) [Read Report](/document/ofheo-report-to-congress-2006) June 15, 2005 [Annual Report to Congress - 2005](/reports/annual-report-to-congress/2005) [Read Report](/media/25001) June 15, 2004 [Annual Report to Congress - 2004](/reports/annual-report-to-congress/2004) [Read Report](/document/ofheo-report-to-congress-2004) June 15, 2003 [Annual Report to Congress - 2003](/reports/annual-report-to-congress/2003) [Read Report](/document/ofheo-report-to-congress-2003) June 15, 2002 [Annual Report to Congress - 2002](/reports/annual-report-to-congress/2002) [Read Report](/document/ofheo-report-to-congress-2002) June 14, 2002 [Annual Report to Congress - 2001](/reports/annual-report-to-congress/2001) [Read Report](/document/ofheo-2001-report-to-congress)\n"} diff --git a/chunks/json/fffe2f266adfedf8475376e11180c8b86b4e200a5e653bdc95f7ac33e54125f4.json b/chunks/json/fffe2f266adfedf8475376e11180c8b86b4e200a5e653bdc95f7ac33e54125f4.json new file mode 100644 index 0000000000000000000000000000000000000000..590d1f58391ef422968d84ec3c4ef50c54194ddc --- /dev/null +++ b/chunks/json/fffe2f266adfedf8475376e11180c8b86b4e200a5e653bdc95f7ac33e54125f4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7065,"char_start":4944,"chunk_id":"chk_61dbf99b1e8d6a28","chunk_index":3,"chunk_sha256":"fffe2f266adfedf8475376e11180c8b86b4e200a5e653bdc95f7ac33e54125f4","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5c0b0ee89f21d117","text_sha256":"fffe2f266adfedf8475376e11180c8b86b4e200a5e653bdc95f7ac33e54125f4","token_estimate":529,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004_70.pdf"]},"text":"Floors 159\nWalls 160\nTrim/Finish 161\nBath Floor 162\nBath Wainscot 163\nCar Storage\n Driveway # of Cars 197\n 196\n\nNone\n 195\n\nDescribe the condition of the property (including needed repairs, deterioration, renovations, remodeling, etc.). e-9; e-10; e-11; e-12; e-13; 219\n\nAre there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? Yes No If Yes, describe 222\n\n220\n\n221\n\nDoes the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)? Yes No If No, describe 225\n\n223\n\n224\n\nFreddie Mac Form 70 March 2005 226\n\nPage 1 of 6\n\nFannie Mae Form 1004 March 2005\n\n2 Uniform Residential Appraisal Report\n\nFile # 3\n\n4 4a\n\nThere are 5 comparable properties currently offered for sale in the subject neighborhood ranging in price from $ 6 to $ 7\nThere are 8 comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $ 9 to $ 10\n\n+(-) $ Adjustment\n\nFEATURE\n\nSUBJECT\n\nCOMPARABLE SALE # 1\n45\n46a 46b 46c\n\nCOMPARABLE SALE # 2\n45\n46a 46b 46c\n\n47\n\n51\n\n24\n\n47\n\n21\n\n22\n\n60\n\n62\n\n51\n\n57\n\n59\n\n53\n55\n\n$ 13\n\n$ 48\n\n$ 48\n\ne-25; e-2\n\ne-25; e-2\n\ne-5; e-6; e-7\n\ne-5; e-6; e-7\n\n61 60\n\n63 62\n\nDESCRIPTION\n\nDESCRIPTION\n\nDESCRIPTION\n\ne-14; e-15; e-16\n\ne-29; e-30; e-31\n\ne-29; e-30; e-31\n\ne-14; e-15; e-16\n\ne-14; e-15; e-16\n\n+(-) $ Adjustment\n\n$ 49 sq. ft.\n\n$ 49 sq. ft.\n\n52\ne-26; e-27; e-28\n\n52\ne-26; e-27; e-28\n\nAddress 11\n 12a 12b 12c\nProximity to Subject\nSale Price\nSale Price/Gross Liv. Area $ 14 sq. ft.\nData Source(s)\nVerification Source(s)\nVALUE ADJUSTMENTS\nSale or Financing\nConcessions\nDate of Sale/Time\nLocation\nLeasehold/Fee Simple\nSite\nView\nDesign (Style)\nQuality of Construction\nActual Age\nCondition\nAbove Grade\nRoom Count\nGross Living Area\nBasement & Finished\nRooms Below Grade\nFunctional Utility\nHeating/Cooling\nEnergy Efficient Items\nGarage/Carport\nPorch/Patio/Deck\n39\n41\n43\nNet Adjustment (Total)\nAdjusted Sale Price\nof Comparables\nI did did not research the sale or transfer history of the subject property and comparable sales. If not, explain 107\n 105\n"} diff --git a/chunks/txt/0007098262d51c9a0de96a3ef02f92c7247a6d23257d65301a47af9a241247bb.txt b/chunks/txt/0007098262d51c9a0de96a3ef02f92c7247a6d23257d65301a47af9a241247bb.txt new file mode 100644 index 0000000000000000000000000000000000000000..f51977a7037452205c4e5cb36d3c42f5d3cd93e8 --- /dev/null +++ b/chunks/txt/0007098262d51c9a0de96a3ef02f92c7247a6d23257d65301a47af9a241247bb.txt @@ -0,0 +1,91 @@ +Co-Borrower Ethnicity +1 -- Hispanic or Latino +2 -- Not Hispanic or Latino +3 -- Information not provided by borrower in mail, Internet, or telephone application +5 -- No Co-Borrower + +Co-Borrower Race 2 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application +8 -- No Co-borrower + +Co-Borrower Race 3 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application +8 -- No Co-borrower + +Page 4 of 5 + +Column +80 Corace4 + +81 Corace5 + +82 HOEPA + +83 LienStatus + +84 SpcHsgGoals + +85 FedFinStbltyPlan + +86 AcqTyp + +87 GSEREO + +AMA_PUDB_Definitions_123113.xlsx + +Definition +Co-Borrower Race 4 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application +8 -- No Co-borrower + +Co-Borrower Race 5 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application +8 -- No Co-borrower + +Home Ownership and Equity Protection Act (HOEPA) Status +1 – Subject to HOEPA +2- Not subject to HOEPA +Lien Status +1 – Secured by first lien +2 – Secured by a subordinate lien +3 – Not secured by a lien +4 – Not Applicable (ie purchased loans) +Special Housing Goals Loan +1 – Yes +2 – No +Federal Financial Stability Plan +1 – Yes +2 – No +Acquisition Type +1 - Cash +2 - SWAP +3 - Other +4 - Credit Enhancement +5 - Bond or Debt Purchase +6 - REMIC +7 - Reinsurance +8 - Risk Sharing +9 - REIT +GSE Real Estate Owned +1 – Yes +2 – No diff --git a/chunks/txt/000baac8797b60a4a7d8f061cd2257377e61d1dcdfc331f23c391be052cf89d0.txt b/chunks/txt/000baac8797b60a4a7d8f061cd2257377e61d1dcdfc331f23c391be052cf89d0.txt new file mode 100644 index 0000000000000000000000000000000000000000..0e691499869d54b409ef45d1cbe9964ec17adc1f --- /dev/null +++ b/chunks/txt/000baac8797b60a4a7d8f061cd2257377e61d1dcdfc331f23c391be052cf89d0.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/prepayment-monitoring-report" +date_accessed: "2026-01-27T17:54:20.790Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/000f070ac2d6c3357642ff4116af0868297ebe77bb90c75406bfd4fd8ec0d606.txt b/chunks/txt/000f070ac2d6c3357642ff4116af0868297ebe77bb90c75406bfd4fd8ec0d606.txt new file mode 100644 index 0000000000000000000000000000000000000000..32919ed20a4ec8205e84ce056700abbc00fb8b89 --- /dev/null +++ b/chunks/txt/000f070ac2d6c3357642ff4116af0868297ebe77bb90c75406bfd4fd8ec0d606.txt @@ -0,0 +1,51 @@ +1 + +Description: + +Credit Service Provider account information + +Attribute + +_Name + +Format + +Required + +Description + +$255 + +_AccountNumber + +$255 + +_Password + +$255 + +Y + +Y + +Y + +The Credit Provider ID code. Please refer to the +Credit Provider List for further information. + +This is the account number associated with the +Credit Service Provider. Lenders should obtain an +account number by contacting the service provider +directly. + +This is the password that corresponds to the +account number for the Credit Service Provider +and is obtained by contacting the service provider +directly. + +If you have questions about this integration impact, contact your Technology Integration Analyst or Integration Support. For +more information about DU, visit the DU webpage or contact your Fannie Mae representative. + +© 2025 Fannie Mae 4.27.25 + +2 of 2 diff --git a/chunks/txt/00177e8c5537103a6a083f3d38f62da4212c8bd685799c5985e27656b5e1af3a.txt b/chunks/txt/00177e8c5537103a6a083f3d38f62da4212c8bd685799c5985e27656b5e1af3a.txt new file mode 100644 index 0000000000000000000000000000000000000000..d6975328ce4c03454221e553660e09c13f0d143c --- /dev/null +++ b/chunks/txt/00177e8c5537103a6a083f3d38f62da4212c8bd685799c5985e27656b5e1af3a.txt @@ -0,0 +1,29 @@ +In rare cases, the original appraiser will not be available to amend the appraisal report. In this situation, a +different appraiser may complete the Single-Family Comparable Rent Schedule to satisfy the requirement for the +loan. Please note, this form was never designed to be a standalone appraisal report and the alternate appraiser +completing it must take the necessary steps to be compliant with the Uniform Standards of Appraisal Practice +(USPAP). + +6. Does UAD 3.6 support different property valuation methods? + +Yes. UAD 3.6 supports traditional, hybrid, desktop, and exterior appraisal assignments. Refer to the GSE Selling +Guides for specific policies. + +7. Does the new appraisal report still contain a General Addendum? + +No. In place of the General Addendum, there are specific fields within each section of the URAR that allow +commentary to be added as necessary, offering the appraiser ample room to provide additional information. + +8. + +Is the new URAR for mortgage purposes only? + +Yes. The purpose of the URAR has not changed. The opinions, conclusions, and certifications in the appraisal +report are for the intended user to evaluate the property that is the subject of the appraisal for a mortgage +finance transaction or related activities. + +9. Does UAD 3.6 support FHA, VA, and USDA requirements? + +Yes, the GSEs have worked closely with the government agencies – Federal Housing Administration (FHA), United +States Department of Agriculture (USDA), and the Department of Veterans Affairs (VA) – to include their specific +requirements in UAD 3.6. Contact each agency for their implementation plans. diff --git a/chunks/txt/00182b3910df1b5bc5701579a584aaf185af1896e2f301503f8145f73a9609a1.txt b/chunks/txt/00182b3910df1b5bc5701579a584aaf185af1896e2f301503f8145f73a9609a1.txt new file mode 100644 index 0000000000000000000000000000000000000000..08c1314aee7a72b9c0b7b301f531f649d4da026e --- /dev/null +++ b/chunks/txt/00182b3910df1b5bc5701579a584aaf185af1896e2f301503f8145f73a9609a1.txt @@ -0,0 +1,102 @@ +Sketch + +Not Applicable due to property +type + +Sketch Commentary + +Each unit is 1,190 square feet of finished living area. There is an additional 522 square feet of finished common area within the building, +therefore the Gross Building Finished Area is 5,282 square feet. The ANSI measurement standard does not apply to apartment / multifamily +buildings. Dimensions provided in the footprint sketch are exterior perimeter measurements. + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 5 of 26 +Page 5 of 26 + +Dwelling Exterior - Building 1 + +Subject Property Units in +Structure +Dwelling Style +Front Door Elevation +Year Built +Construction Method +Converted Area + +4 +Traditional +Ground Level +2014 +Site Built +None + +This is where the Dwelling Front photo would display. + +Quality and Condition + +Exterior Quality Rating + +Q4 + +Exterior Condition Rating + +C3 + +The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report + +Exterior Features + +Feature +Exterior Walls and Trim + +Foundation + +Roof + +Windows + +Detail +Brick | Cement Board + +Poured Concrete | Slab + +Composition +Estimated Age: 10-20 Years + +Thermal Double Hung + +Quality Comment + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Condition Comment + +Check #A + +Mechanical System Details + +Heating + +Cooling + +System +Forced Warm Air + +Centralized + +Detail +Electric + +Core Heating System Below Grade + +Other Mechanical Systems diff --git a/chunks/txt/00256972b1b8f692675d2429ade4474564b05018f26a700465792f3cfdbf3840.txt b/chunks/txt/00256972b1b8f692675d2429ade4474564b05018f26a700465792f3cfdbf3840.txt new file mode 100644 index 0000000000000000000000000000000000000000..57adf740b90ac6448a9b0aedf31189f2b7a101d5 --- /dev/null +++ b/chunks/txt/00256972b1b8f692675d2429ade4474564b05018f26a700465792f3cfdbf3840.txt @@ -0,0 +1,82 @@ +Display Rules + +Always displays + +Always displays + +Always displays + +Always displays + +Always displays + +Always displays + +Always displays + +Always displays + +Page 42 + +Report +Field ID + +Cert # + +Certifications Text + +Appraiser Certifications + +05.018 + +05.019 + +05.020 + +7 + +8 + +9 + +05.021 + +10 + +05.022 + +11 + +05.023 + +12 + +I performed this appraisal update in accordance with the requirements of the Uniform +Standards of Professional Appraisal Practice that were adopted and promulgated by the +Appraisal Standards Board of The Appraisal Foundation and that were in place at the +time this appraisal update was prepared. +I have updated the appraisal by incorporating the original appraisal report by reference. +I have summarized my analysis and conclusions in this appraisal update and retained all +supporting data in my work file. +I personally performed an onsite inspection of the interior and exterior areas of the +subject property. I reported the readily observable condition of the improvements in +factual, specific terms. I identified and reported any known physical deficiencies that +could affect the soundness or structural integrity of the property. +I personally performed an inspection of the exterior areas of the subject property from at +least the street. I reported the readily observable condition of the improvements in +factual, specific terms. I reported any known physical deficiencies that could affect the +soundness or structural integrity of the property. +I did not personally perform an onsite inspection of the subject property as part of this +appraisal assignment. I reported the condition of the improvements in factual, specific +terms, relying on subject property information data sources I considered reliable. I +reported any known physical deficiencies that could affect the soundness or structural +integrity of the property. +I have not knowingly withheld any significant information from this appraisal report and, +to the best of my knowledge, all statements and information in this appraisal report are +true and correct. +My employment and/or compensation for performing this appraisal or any future or +anticipated appraisals was not conditioned on any agreement or understanding, written +or otherwise, that I would report (or present analyses supporting) a predetermined +specific value, a predetermined minimum value, a range or direction in value, a value +that favors the cause of any party, or the attainment of a specific result or occurrence of +a specific subsequent event (such as approval of a pending mortgage loan application). diff --git a/chunks/txt/003180efd4915908296b1be77e05a5c4044e84c44c4385f46480d11af66ffae2.txt b/chunks/txt/003180efd4915908296b1be77e05a5c4044e84c44c4385f46480d11af66ffae2.txt new file mode 100644 index 0000000000000000000000000000000000000000..846aded25d182cbc1c42e29c4f9d82879f8eeda2 --- /dev/null +++ b/chunks/txt/003180efd4915908296b1be77e05a5c4044e84c44c4385f46480d11af66ffae2.txt @@ -0,0 +1,107 @@ +Detached Structure, +does not share any +communal walls, floor +or ceiling with another +property. + +Semi-detached +structure, use for end- +unit row and +townhomes as well as +duplexes + +Examples: +DT1.75;CapeCod +AT2;IntTwnhse +SD3.5;Duplex + +Design (Style) (for Condominiums) +The appraiser should provide the attachment +type, the number of levels and the +architectural design for the subject property +and each comparable property. + +Page 45 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +Reporting Format: +Attachment Types – The appraiser should +select one value from the specified list +below: + +Abbreviated +Entry + +DT + +RT + +GR + +MR + +Attachment +Type + +Detached +Structure, does +not share any +communal +walls, floor, or +ceiling +with another +property + +Row or +Townhouse - +One in a row of +identical +houses or +having a +common wall; +attached to +another unit via +common wall + +Garden - +Structure is 1-3 +stories tall, +contains units +with communal +walls, floors, +and/or ceilings + +Mid-Rise - +Structure is 4- 7 +stories tall, +contains units +with communal +walls, floors, +and/or ceilings + +Page 46 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. diff --git a/chunks/txt/00351cc097ad4ba133fa89ec298d68ce2ca792ddbf057341741d153f6e1bb780.txt b/chunks/txt/00351cc097ad4ba133fa89ec298d68ce2ca792ddbf057341741d153f6e1bb780.txt new file mode 100644 index 0000000000000000000000000000000000000000..7ee07f6267d7cac838e4083488bcfd20c95cbc23 --- /dev/null +++ b/chunks/txt/00351cc097ad4ba133fa89ec298d68ce2ca792ddbf057341741d153f6e1bb780.txt @@ -0,0 +1,124 @@ +One and only one of fields 1-185, 1- +186 (values of Project Common +Elements Completed Indicator) should +be indicated. + +This field should be populated if 1-186 +(Management Group +Homeowners' Association and +Management Agent) is populated. + +T + +T + +T + +T + +T + +T + +199 + +1 + +188 + +PROJECT +INFORMATION + +Is there any commercial space in +the project? +Yes + +Project +Commercial Space +Indicator + +Indicates that the project contains +commercial space. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommercialSpaceIndic +ator='Y'] + +200 + +1 + +189 + +PROJECT +INFORMATION + +Is there any commercial space in +the project? +No + +Project +Commercial Space +Indicator + +Indicates that the project contains +commercial space. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommercialSpaceIndic +ator='N'] + +201 + +1 + +e-32 + +PROJECT +INFORMATION + +Is there any commercial space in +the project? +If Yes, describe and indicate the +overall percentage of the +commercial space. + +GSE Project +Commercial Space +Percent + +The overall percentage of commercial +space in the project in which the subject +property is located. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_EXTENSION/P +ROJECT_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNI +FORM APPRAISAL +DATASET']/PROJECT_EXTENSION_SECTION_DATA/PROJECT_COMME +RCIAL/@GSEProjectCommercialSpacePercent + +1 + +1 + +2 + +Boolean + +UAD Requirement - Refer to Appendix D Project Information Section + +One and only one of fields 1-188, 1- +189 (values of Project Commercial +Space Indicator) should be indicated. + +CR + +CR + +CR + +Boolean + +UAD Requirement - Refer to Appendix D Project Information Section + +One and only one of fields 1-188, 1- +189 (values of Project Commercial +Space Indicator) should be indicated. diff --git a/chunks/txt/0048edcf5e06d36fd08af748821f9fb2430e83f1abd52d4bcc9825ade51ac10d.txt b/chunks/txt/0048edcf5e06d36fd08af748821f9fb2430e83f1abd52d4bcc9825ade51ac10d.txt new file mode 100644 index 0000000000000000000000000000000000000000..67b837ef7b943ece1931356508edc8b1f74f080f --- /dev/null +++ b/chunks/txt/0048edcf5e06d36fd08af748821f9fb2430e83f1abd52d4bcc9825ade51ac10d.txt @@ -0,0 +1,168 @@ +Off-site Improvements—Type +Street 111 +Alley 114 + +FEMA Map Date 121 + +105 + 108 + 119 + +112 + +115 + +118 + +122 + +125 + +126 + +113 + +116 + +Public Private + +materials/condition Interior + +materials/condition + +141 + +133 + +135 + +136 + +131 + +Foundation + +General Description + +Exterior Description +Foundation Walls 152 + 140 + Full Basement Partial Basement Exterior Walls 153 + 143 + 142 + 144 sq. ft. Roof Surface 154 + 145 % Gutters & Downspouts 155 + +Units One One with Accessory Unit Concrete Slab Crawl Space + 129 + 128 +# of Stories 130 +Type Det. Att. S-Det./End Unit Basement Area + 132 + Existing Proposed Under Const. Basement Finish + 134 +Design (Style) 137 +Year Built e-8; 138 +Effective Age (Yrs) 139 +Attic + Drop Stair + 165 + Floor + 167 + Other 180 + Finished + 169 + 179 +Appliances Refrigerator Range/Oven Dishwasher Disposal Microwave Washer/Dryer Other (describe) 213 +Finished area above grade contains: 214 +Additional features (special energy efficient items, etc.) 218 + +Outside Entry/Exit Sump Pump Window Type 156 + 146 +Evidence of Infestation + 148 + Dampness Settlement + 150 +Heating FWA HWBB Radiant Amenities + Other 175 +Fuel 176 + 174 +Cooling Central Air Conditioning + Individual + 178 + +None + 164 + Stairs + 166 + Scuttle + 168 + Heated + 170 + +Storm Sash/Insulated 157 +Screens 158 + +Bedrooms 216 + +Bath(s) 217 + +Rooms 215 + +171 + +172 + +151 + +211 + +212 + +206 + +177 + +147 + +209 + +207 + +208 + +210 + +173 + +Woodstove(s) # 188 Driveway Surface 198 + 187 + Fireplace(s)# 182 Fence 190 + 181 + 189 + Patio/Deck 184 + Porch 192 + 191 + 183 + Other 194 + Pool 186 + 185 + 193 + +Garage + 199 + Carport + 201 + Att. + 203 + +Det. + 204 + +# of Cars 200 +# of Cars 202 + +Built-in + 205 + +Square Feet of Gross Living Area Above Grade diff --git a/chunks/txt/005396fceb62ac3e0109b28883f6ff480b9c559a6522ba49053843dd47254eeb.txt b/chunks/txt/005396fceb62ac3e0109b28883f6ff480b9c559a6522ba49053843dd47254eeb.txt new file mode 100644 index 0000000000000000000000000000000000000000..502cc78b81ea4d644185b1a767bb017bfd808731 --- /dev/null +++ b/chunks/txt/005396fceb62ac3e0109b28883f6ff480b9c559a6522ba49053843dd47254eeb.txt @@ -0,0 +1,152 @@ +CR + +CR + +CR + +1 + +3 + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This field indicates whether the actual age is estimated. + +Boolean + +PDF Display Format: +If 'Y' then display a tilde (~) before the value entered. +If 'N' then display nothing for Boolean response. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +Numeric, whole years only. Zero (0) is a valid value. + +String + +Refer to Appendix E for PDF Rendering and Parsing Instructions. +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +10 + +Money + +PDF Display Format: +Whole dollars only. + +The sum of this field 2-71 and fields (2-53, 2- +55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, +2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2- +88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must +add up to Net Adjustment field 2-103. + +R + +R + +R + +R + +R + +R + +CR + +CR + +CR + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 62 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +327 + +2 + +72 + +SALES +COMPARISON +APPROACH + +Condition + +GSE Overall +Condition Type + +The overall condition rating of the +property. + +328 + +2 + +73 + +SALES +COMPARISON +APPROACH + +Condition Adjustment + +Sale Price +Adjustment Amount + +329 + +2 + +74 + +SALES +COMPARISON +APPROACH diff --git a/chunks/txt/0057f8b2c53fcbf371e9122f6025198ad975466d8f6db1e59be059a430a459f6.txt b/chunks/txt/0057f8b2c53fcbf371e9122f6025198ad975466d8f6db1e59be059a430a459f6.txt new file mode 100644 index 0000000000000000000000000000000000000000..e0aed3420d714390130e56ce354f76c3838ac803 --- /dev/null +++ b/chunks/txt/0057f8b2c53fcbf371e9122f6025198ad975466d8f6db1e59be059a430a459f6.txt @@ -0,0 +1,73 @@ +Accessibility Features for Individuals with Disabilities (H1) + +Accessibility Features table + +• Set in 2-column table x 45 picas. + +o Column heads: “Feature”,” Comment” set as TCH. + +o Column 1: 7 picas 10 points wide (~22 characters max per line). + +o Column 2: 37 picas 2 points wide (~148 characters max per line). + +o Content sets as TB. + +ACCESSIBILITY FEATURES TABLE + +Appendix E: Report Style Guide + +Page 48 of 90 + +Version 1.4 + +Apparent Defects, Damages, Deficiencies (Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit +Identifier]) (H1) + +• + +• + +If applicable per iGuide, set “None” as TXC + +If applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “The items listed +below represent the As Is condition as of the effective date of this report”. + +Unit DDD table (same format as Site DDD table) + +• Column heads: “Feature,” “Location,” “Description,” “Affects Soundness or Structural + +Integrity,” “Recommended Action” set as TCH in 5 column table x 45 picas. + +• Columns 1, 2, 4, 5: 8 picas wide (~32 characters max per line in each cell). + +• Column 3: + +13 picas wide (~52 characters max per line in each cell). + +• Content sets as TB. + +APPARENT DEFECTS, DAMAGES, DEFICIENCIES + +Unit Interior Commentary (H1) + +Set Commentary as TXC x 45 picas. + +Unit Interior Exhibits (H1) + +Subsection does not display if there are no exhibits. + +“Functional Obsolescence” sets as TAB. + +Left-hand side of page + +• + +“Functional Issues” sets as TXR-B, TXR. + +Functional Obsolescence Commentary (H1) + +Set Commentary as TXC x 45 picas. + +Functional Obsolescence Exhibits (H1) + +Subsection does not display if there are no exhibits. diff --git a/chunks/txt/005a316ff6c7df75deac834db6216fabd46c28a98f49e411a3089058a34fd44d.txt b/chunks/txt/005a316ff6c7df75deac834db6216fabd46c28a98f49e411a3089058a34fd44d.txt new file mode 100644 index 0000000000000000000000000000000000000000..bb63b81358f25b9f44fff67388b105a345093e9b --- /dev/null +++ b/chunks/txt/005a316ff6c7df75deac834db6216fabd46c28a98f49e411a3089058a34fd44d.txt @@ -0,0 +1 @@ +December 2021 Page 3 of 3 diff --git a/chunks/txt/0061b5bb89144fffb8a31a28416aed1f9f690e718f8cdc5b28d05e327552721a.txt b/chunks/txt/0061b5bb89144fffb8a31a28416aed1f9f690e718f8cdc5b28d05e327552721a.txt new file mode 100644 index 0000000000000000000000000000000000000000..db43448487fdc1a5823435a6726a662c43b05b11 --- /dev/null +++ b/chunks/txt/0061b5bb89144fffb8a31a28416aed1f9f690e718f8cdc5b28d05e327552721a.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# Annual Housing Report + +## Breadcrumb + +- [Home](/) + - [Reports](/reports) + - Annual Housing Report + +This Annual Housing Report (Report) describes the affordable housing activities of the Enterprises and meets the reporting requirements of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended (Safety and Soundness Act). The Report describes FHFA's final review of the Enterprises' housing goals performance and contains the results of FHFA's evaluations and ratings of the Enterprises' Duty to Serve performance. The Report includes information about the distribution of single-family loans by race/ethnicity, sex, and census tract median income. In addition, the Report includes a breakdown of the single-family mortgage product-types purchased by each Enterprise, as well as information on mortgage payment type (e.g., fixed-rate or adjustable-rate mortgage), loan-to-value ratios, and credit scores. The Report also describes the affordable housing allocations made by each Enterprise, as well as FHFA's efforts to survey the mortgage markets and release loan-level data submitted by the Enterprises to the public. Finally, the Report discusses subprime, nontraditional, and higher-priced mortgage loans. diff --git a/chunks/txt/006244068467cdb181bbaa162d21da74fa365448e51eee95e302cdc7b15d88a9.txt b/chunks/txt/006244068467cdb181bbaa162d21da74fa365448e51eee95e302cdc7b15d88a9.txt new file mode 100644 index 0000000000000000000000000000000000000000..2d14142b67732ea29ab6a35dd228b64f53a0929c --- /dev/null +++ b/chunks/txt/006244068467cdb181bbaa162d21da74fa365448e51eee95e302cdc7b15d88a9.txt @@ -0,0 +1,20 @@ +If the appraiser has completed the cost approach, the lender must thoroughly review the information provided to confirm that +the appraiser’s analysis and comments for the cost approach to value are consistent with comments and adjustments mentioned +elsewhere in the appraisal report. For example, when the subject is new construction, any recent sale of the land must be +disclosed and reconciled with the opinion of site value. Another example is if the community water source is unsafe and has had a +negative impact on housing prices throughout the area, lenders should expect to see an amount indicated for external +depreciation in the cost approach. Additionally, if the improvement analysis indicates that it is necessary to go through one +bedroom to get to another bedroom, lenders should expect to see an amount indicated for functional depreciation. + +Note: Physical, functional, and external depreciation in the cost approach only applies to the property’s improvements, not the +site. If the property has an adverse impact due to a site influence, such as arterial street location, appraisers must account for this +in the opinion of site value. + +Income Approach to Value + +The income approach to value is based on the assumption that market value is related to the market rent or income that a +property can be expected to earn. The income approach to value is required in the valuation of two to four-unit properties and +may be appropriate in market areas that consist of single family properties when there is a substantial rental market. The income +approach to value may not be appropriate in areas that consist mostly of owner-occupied properties because adequate rental +data does not exist for those areas. However, USPAP requires the appraiser to develop and report the result of any approach to +value that is necessary for credible assignment results. If the appraiser believes the income approach is necessary for credible diff --git a/chunks/txt/006a7d4980f28f3304e399a0b5b76e050a5c0b8eb55341d291e39d23971726ff.txt b/chunks/txt/006a7d4980f28f3304e399a0b5b76e050a5c0b8eb55341d291e39d23971726ff.txt new file mode 100644 index 0000000000000000000000000000000000000000..ffd734c945b651b10792e53af87be005276fb7a1 --- /dev/null +++ b/chunks/txt/006a7d4980f28f3304e399a0b5b76e050a5c0b8eb55341d291e39d23971726ff.txt @@ -0,0 +1,274 @@ +95 +97 +99 + 102 + + - + +e-18; e-19; e-20 +e-21; e-22; e-23; e-24 + +e-18; e-19; e-20 +e-21; e-22; e-23; e-24 + +e-18; e-19; e-20 +e-21; e-22; e-23; e-24 + +Net Adj. 103a % +Gross Adj. 103b % + +Net Adj. 103a % +Gross Adj. 103b % + +95 +97 +99 + 102 + +Baths Total Bdrms. Baths + +74 Total Bdrms. Baths + +96 +98 +100 + +Total Bdrms. + ++ - + +79 sq. ft. + +e-5; e-6; e-7 + +31 sq. ft. + +79 sq. ft. + +40 +42 +44 + +e-17; 70 + +e-17; 26 + +e-17; 70 + +$ 104 + +$ 103 + +$ 104 + +$ 103 + +82 +84 + +106 + +101 + +101 + +65 + +71 + +78 + +88 + +67 + +90 + +92 + +69 + +94 + +73 + +86 + +80 + +72 + +85 + +66 + +29 + +68 + +93 + +89 + +91 + +87 + +28 + +38 + +68 + +27 + +34 + +85 + +37 + +36 + +77 + +66 + +72 + +89 + +93 + +75 + +76 + +35 + +75 + +30 + +91 + +25 + +87 + +77 + +76 + +COMPARABLE SALE # 3 +45 +46a 46b 46c + +$ 49 sq. ft. + +47 + +$ 48 + +e-25; e-2 + +51 + +DESCRIPTION + ++(-) $ Adjustment + +53 +55 + +57 + +59 + +52 +e-26; e-27; e-28 + +e-29; e-30; e-31 + +e-14; e-15; e-16 + +61 60 + +63 62 + +65 + +67 + +69 + +71 + +73 + +e-5; e-6; e-7 + +66 + +68 + +e-17; 70 + +72 + +74 Total Bdrms. Baths + +78 + +80 + +82 +84 + +86 + +88 + +90 + +92 + +94 + +96 +98 +100 + +75 + +76 + +77 + +79 sq. ft. + +e-18; e-19; e-20 +e-21; e-22; e-23; e-24 + +85 + +87 + +89 + +91 + +93 + +95 +97 +99 + +101 + + - + +102 + +$ 103 + +Net Adj. 103a % +Gross Adj. 103b % diff --git a/chunks/txt/006c2c7cfefa71bc6dcd0a4cfa2b0bf2ac186c157d7e6bf400555d763e596744.txt b/chunks/txt/006c2c7cfefa71bc6dcd0a4cfa2b0bf2ac186c157d7e6bf400555d763e596744.txt new file mode 100644 index 0000000000000000000000000000000000000000..6887f6f9f2e458a225601572f3fbb9e75dbd56af --- /dev/null +++ b/chunks/txt/006c2c7cfefa71bc6dcd0a4cfa2b0bf2ac186c157d7e6bf400555d763e596744.txt @@ -0,0 +1,199 @@ +This is where the +Dwelling Front photo +would display. + +This is where the +Rental Comparable 1 +photo would display. + +This is where the +Rental Comparable 2 +photo would display. + +This is where the +Rental Comparable 3 +photo would display. + +This is where the +Rental Comparable 4 +photo would display. + +Subject Property +8675309 Jenny Ln +Anytown, IL 54321 + +Comparable #1 +1522 Akyawentuo Ave +Anytown, IL 54321 + +Comparable #2 +2345467 Golden Tail St +Anytown, IL 54321 + +Comparable #3 +234912 Whitecrest Dr +Anytown, IL 54321 + +Comparable #4 +123423 Stoneback Dr +Anytown, IL 54321 + +Data Source: +MLS 32495234 + +Data Source: +MLS 23458202 + +Data Source: +MLS 25394502 + +Data Source: +MLS 12458450 + +Lease Start Date: +03/2018 + +Lease Start Date: +01/2018 + +Lease Start Date: +12/2017 + +Lease Start Date: +11/2017 + +Actual Rent: +$3,500 + +Actual Rent: +$3,600 + +Actual Rent: +$3,350 + +Actual Rent: +$3,200 + +Comparable Rental Analysis + +Proximity to Subject + +Subject + +#1 +0.25 Miles NE + +#2 + +#3 + +#4 + +0.2 Miles W + +1.5 Miles E + +1.7 Miles E + +Comparables + +Project Name + +Grammy Gold Grammy Gold Grammy Gold + +Similar + +Similar + +Platinum +Records + +Inferior + +Platinum +Records + +Inferior + +Clubhouse +| Club +Membership +| Gated +Community +| Inground +Pool | Snow +Removal +| Trash +Removal + +Golf Course | +Residential + +Project Common +Amenities/Services + +View from Unit + +Site Size + +Interior Condition + +Bedrooms + +Baths - Full | Half + +Finished Area + +Similar + +Similar + +Inferior + +Inferior + +13,939 Sq. Ft. + +13,400 Sq. Ft. + +14,230 Sq. Ft. + +13,800 Sq. Ft. + +12,989 Sq. Ft. + +C1 + +3 + +2 | 1 + +C2 + +3 + +2 | 1 + +C2 + +4 + +3 | 0 + +C2 + +3 + +2 | 1 + +C2 + +4 + +2 | 1 + +2,784 Sq. Ft. + +2,705 Sq. Ft. + +2,810 Sq. Ft. diff --git a/chunks/txt/007f63a4cb980ccf0b741138c2ad81abb071f6d81cfeb7327b7d59c52b600eab.txt b/chunks/txt/007f63a4cb980ccf0b741138c2ad81abb071f6d81cfeb7327b7d59c52b600eab.txt new file mode 100644 index 0000000000000000000000000000000000000000..a7217cbda0200e5a2416b8b8ebd06cbfeee0d2d3 --- /dev/null +++ b/chunks/txt/007f63a4cb980ccf0b741138c2ad81abb071f6d81cfeb7327b7d59c52b600eab.txt @@ -0,0 +1,43 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [News](/news) + - Partner Agency Engagements + +# Partner Agency Engagements + +## **2023** + +## **November 1, 2023** + +**FFIEC's (Federal Financial Institutions Examination Council's) Appraisal Subcommittee Hearing on Appraisal Bias, the Residential Appraisal Process, and Associated Regulations** diff --git a/chunks/txt/0083aaeeccbbf0d4388ada229fcbc1e2d398e60be17d6b925c70abcf511c0269.txt b/chunks/txt/0083aaeeccbbf0d4388ada229fcbc1e2d398e60be17d6b925c70abcf511c0269.txt new file mode 100644 index 0000000000000000000000000000000000000000..2879e8a8667a1a53c4f4d87db909e2e639ebac3c --- /dev/null +++ b/chunks/txt/0083aaeeccbbf0d4388ada229fcbc1e2d398e60be17d6b925c70abcf511c0269.txt @@ -0,0 +1,19 @@ +If you have any questions or comments about the FHFA UAD Aggregate Statistics Data File or Dashboards, please email [UADdata@fhfa.gov](mailto:UADdata@fhfa.gov) + +## FHFA Stats Blog + +[Trends in Median Appraised Value for Properties With Accessory Dwelling Units in California](/blog/statistics/trends-in-median-appraised-value-for-properties-with-accessory-dwelling-units-in-california) + +[The Volume and Median Value of FHA Single-Family Appraisals Rose over the Past Year and Quarter](/blog/fhfa-statistics/the-volume-and-median-value-of-fha-single-family-appraisals-rose-over-the-past-year-and-quarter) + +[2024Q2 UAD Aggregate Statistics: Median Appraised Value for Enterprise Single-Family and Condominium Appraisals Rose over the Past Year and Quarter](/blog/statistics/2024q2-uad-aggregate-statistics-median-appraised-value-for-enterprise-single-family-and-condominium) + +[2024Q1 UAD Aggregate Statistics: Volume and Median Appraised Value for Both Purchase and Refinance Appraisals Rose over the Past Year and Quarter](/blog/statistics/2024q1-uad-aggregate-statistics) + +Have Property Valuation Inequalities Diminished in Black and Hispanic/Latino Neighborhoods? + +[2023Q4 UAD Aggregate Statistics: The Median Appraised Value for Both Purchase and Refinance Appraisals Increased from a Year Ago](/blog/statistics/2023q4-uad-aggregate-statistics-median-appraised-value-both-purchase-and-refinance-appraisals) + +[FHFA Publishes 2023Q3 UAD Aggregate Statistics](/blog/statistics/fhfa-publishes-2023Q3-uad-aggregate-statistics) + +[FHFA Publishes 2023Q2 UAD Aggregate Statistics](/blog/statistics/fhfa-publishes-2023q2-uad-aggregate-statistics) diff --git a/chunks/txt/0084b15f095d78a841ca4d92f3ede0c28e42615067fbc9684b913ebd69398a8c.txt b/chunks/txt/0084b15f095d78a841ca4d92f3ede0c28e42615067fbc9684b913ebd69398a8c.txt new file mode 100644 index 0000000000000000000000000000000000000000..0a3198982007d1084b816fea16431063b1904012 --- /dev/null +++ b/chunks/txt/0084b15f095d78a841ca4d92f3ede0c28e42615067fbc9684b913ebd69398a8c.txt @@ -0,0 +1,111 @@ +4.035 + +Name + +If relevant + +Free-form + +Body of Water Name + +4.036 Waterfront + +Access Rights + +4.037 + +Access Depth + +Required for each +body of water where +Property Has Private +Access Rights to the +Body of Water is Yes + +Required for each +body of water where +Property Has Private +Access Rights to the +Body of Water is Yes + +Choose an +allowable answer +from table +(Waterfront +Access Rights) + +Type of access the subject property has to the waterfront. +• +• +• +• + +By Permit +Deeded Access +Privately Owned +Other (Describe) + +Choose an +allowable answer +from table (Access +Depth) + +Classifies the water depth for the purpose of watercraft access. +• +• +• +• + +Deep Water +Non-Navigable +Shallow Water +Other (Describe) + +Note: Water depth should be approximated considering typical and feasible +water depths, whether by dock, pier, or shoreline. + +Appendix F-1: URAR Reference Guide + +Page 67 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +04 Site + +Waterfront Access Rights (Choose one for each Body of Water with Private Access) + +Allowable Answer + +Definition / Additional Guidance + +By Permit + +Deeded Access + +Privately Owned + +Other (Describe) + +Temporary permissible use of the waterfront access granted by a recognized authority. + +Legally permissible use of the waterfront access written in the deed. + +Waterfront access as granted through private ownership of the water frontage. + +Select Other to enter an answer that is not in the above list. + +Allowable Answer + +Definition / Additional Guidance + +Access Depth (Choose one for each Body of Water with Private Access) + +Deep Water + +Non-Navigable + +Shallow Water + +Water is four feet or deeper and can handle most types of recreational watercraft. diff --git a/chunks/txt/009d52573e31d3e199f996892e70b9911b85f7fdf27a410ad1052f7d9f8384b9.txt b/chunks/txt/009d52573e31d3e199f996892e70b9911b85f7fdf27a410ad1052f7d9f8384b9.txt new file mode 100644 index 0000000000000000000000000000000000000000..f2d5a273620acd8127455e8eceaeff2e826ee5a3 --- /dev/null +++ b/chunks/txt/009d52573e31d3e199f996892e70b9911b85f7fdf27a410ad1052f7d9f8384b9.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# Information Resources Management Strategic Plan + +## Breadcrumb + +- [Home](/) + - [Reports](/reports) + - Information Resources Management Strategic Plan + +The purpose of FHFA’s Information Resources Management (IRM) Strategic Plan is to provide direction, organizational alignment, and prioritization for key Information Technology (IT) and data initiatives. Implementation of the IRM Strategic Plan will maximize the impact of information resources on FHFA’s mission and ongoing operations. diff --git a/chunks/txt/00ae765c09df3ac8d658c95586b946485f7b8a0a223056a4657cb663d148705e.txt b/chunks/txt/00ae765c09df3ac8d658c95586b946485f7b8a0a223056a4657cb663d148705e.txt new file mode 100644 index 0000000000000000000000000000000000000000..935df1a806892c99a8d36ad0fb4ae2fffd261f1d --- /dev/null +++ b/chunks/txt/00ae765c09df3ac8d658c95586b946485f7b8a0a223056a4657cb663d148705e.txt @@ -0,0 +1,140 @@ +Always + +Always required + +Dollar amount + +Required if Units +Excluding ADUs is +more than 1 + +Dollar amount + +Adjustment +Total + +22.15.09 Adjusted Price + +Per Unit + +22.15.10 Adjusted Price +Per Bedroom + +When Units +Excluding +ADUs is more +than 1 for the +subject or any +comparable + +When Units +Excluding +ADUs is more +than 1 for the +subject or any +comparable + +Required if Units +Excluding ADUs is +more than 1 + +Dollar amount + +Adjusted Price Per +Bedroom is only +applicable to +comparables + +No + +Calculated: Adjusted Price of Comparables / Number of Bedrooms in +Units including ADUs +Note: Bedrooms that are not associated with a unit or an ADU are not +included in this calculation. + +Appendix F-1: URAR Reference Guide + +Page 273 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report +Field ID + +22.15.11 + +Report Label + +Price Per +Gross Building +Finished Area + +22.15.12 + +Price Per +Finished Area +Above Grade + +When to Include for +each Comparable + +Required if Units +Excluding ADUs is +more than 1 for the +subject + +Required if Units +Excluding ADUs is 1 +and there is finished +area above grade +(standard or +nonstandard) + +When Row +Displays + +When Units +Excluding +ADUs is more +than 1 for the +subject + +When Units +Excluding +ADUs is 1 and +there is +Finished Area +Above Grade +or Finished +Area Above +Grade +(Nonstandard) +for the subject +or any +comparable + +Sales Comparison Approach: Summary + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Dollar amount + +Price Per Gross Building +Finished Area is only +applicable to +comparables + +Dollar amount diff --git a/chunks/txt/00afe01aa9cde4b1daa0d2793ff448cf7adcfc07036f41a613e18b05fabaf70c.txt b/chunks/txt/00afe01aa9cde4b1daa0d2793ff448cf7adcfc07036f41a613e18b05fabaf70c.txt new file mode 100644 index 0000000000000000000000000000000000000000..8234e6ae0c067db7148eae7bc6b6c62f46adf381 --- /dev/null +++ b/chunks/txt/00afe01aa9cde4b1daa0d2793ff448cf7adcfc07036f41a613e18b05fabaf70c.txt @@ -0,0 +1,84 @@ +1.081 + +1.082 + +1.083 + +1.084 + +Location + +Description + +Affects Soundness or Structural Integrity + +Recommended Action + +Estimated Cost to Repair + +Total Cost + +As Is Overall Condition Rating + +Total Estimated Cost of Items Recommended for Repair + +[Static Text] There are no apparent defects, damages, or +deficiencies requiring action. For details, reference the +‘Reconciliation’ section. + +Estimated Cost to Repair + +26.022 | 26.029 | 26.037 | +26.045 | 26.053 | 26.059 | +26.065 +26.023 | 26.030 | 26.038 | +26.046 | 26.054 | 26.060 | +26.066 +26.024 | 26.031 | 26.039 | +26.047 | 26.055 | 26.061 | +26.067 +26.025 | 26.032 | 26.040 | +26.048 | 26.056 | 26.062 | +26.068 +26.026 | 26.033 | 26.041 | +26.049 | 26.057 | 26.063 | +26.069 + +26.070 + +26.071 + +26.072 + +Reconciliation - Defects, Damages, Deficiencies + +Reconciliation - Defects, Damages, Deficiencies + +Reconciliation - Defects, Damages, Deficiencies + +Reconciliation - Defects, Damages, Deficiencies + +Reconciliation - Defects, Damages, Deficiencies + +Reconciliation - Defects, Damages, Deficiencies + +Reconciliation - Defects, Damages, Deficiencies + +Reconciliation - Defects, Damages, Deficiencies + +• When CostToRepairType (UID: 3900.0001 FID: Not on report) = “Itemized” + +o Display the column Estimated Cost to Repair and the Total Cost - DefectCostToRepairTotalAmount (UID: 3900.0002, FID: 1.081) + +▪ Calculated: The sum of all occurrences of DefectItemEstimatedCostToRepairAmount +▪ Right-justify label Total Cost and the amount (Figure 1 - 4) + +Recommended Action with Estimated Cost to Repair + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 1 - 4 + +Page 76 + +• When CostToRepairType (UID: 3900.0001 FID: Not on report) = “TotalCost” diff --git a/chunks/txt/00b25de4eb5f351b35e2082416770b936caf12a379bb5f04aff1a0ef68a5b893.txt b/chunks/txt/00b25de4eb5f351b35e2082416770b936caf12a379bb5f04aff1a0ef68a5b893.txt new file mode 100644 index 0000000000000000000000000000000000000000..ed32a1a2faeec6b46b3d770db24d8a622612c00a --- /dev/null +++ b/chunks/txt/00b25de4eb5f351b35e2082416770b936caf12a379bb5f04aff1a0ef68a5b893.txt @@ -0,0 +1,116 @@ +21.000 Prior Sales or + +Always required + +Yes | No + +Transfers + +Definition / Additional Guidance + +• + +• + +Yes (there are relevant sales or transfers, either within or beyond the +reporting period) +No (there are no relevant sales or transfers. “None” displays, and the +Transfer Terms table does not display). + +21.001 Data Source + +Required if Prior Sales +or Transfers is No + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Assessor Record +Builder or Developer +Cooperative Board +Data Aggregator +Deed +Homeowners Association + +Data source(s) used to research the prior sale or transfer history. +• +• +• +• +• +• +• MLS +• +• +• +• +• + +Previous Appraisal File +Property Management Company +Property Owner +Property Tenant +Other (Describe) + +For reference, see the Statement of Assumptions and Limiting Conditions +relevant to data sources and Appraiser Certification 8. + +Comparable Transfer History + +The Comparable Transfer History subsection shows information about each comparable in the Sales +Comparison Approach section. + +Appendix F-1: URAR Reference Guide + +Page 208 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +21 Prior Sale and Transfer History + +Comparable Transfer History + +Report +Field ID + +21.007 # + +Report Label + +When to Include + +Required for each +comparable in the +Sales Comparison +Approach section + +Allowable +Answers / Format + +1, 2, 3, … + +21.008 Transfer Terms Required for each +comparable in the +Sales Comparison +Approach section + +Yes | No + +21.011 Data Source + +Required if Prior Sales +or Transfers is No for +the Comparable + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column diff --git a/chunks/txt/00bf175e973bc195ca948a92a7276158b7ec456aa95d4d032c759a2fc61f15fa.txt b/chunks/txt/00bf175e973bc195ca948a92a7276158b7ec456aa95d4d032c759a2fc61f15fa.txt new file mode 100644 index 0000000000000000000000000000000000000000..8fc4901757972b046d71ba513c755c2f5b55e901 --- /dev/null +++ b/chunks/txt/00bf175e973bc195ca948a92a7276158b7ec456aa95d4d032c759a2fc61f15fa.txt @@ -0,0 +1,57 @@ +EscrowItemActualPay +mentAmount + +200.00 + +ROF as “$200.00” + +EscrowItemPayment +PaidByType + +Buyer + +ROF as “Borrower- +Paid” + +8.13.2 At Closing + +EscrowItemPayment +TimingType + +AtClosing + +Appendix E: UCD Implementation Guide + +Page 137 of 254 + +Version 1.4 + +Uniform Closing Dataset + +8.0 Other Costs Table + +1. MAPPI NG GUI DANCE + +a. + +Initial Escrow line items are represented using the ESCROW container. ESCROW_ITEM repeats for each +line item with child containers including data points that identify the escrow item, the period for which +the payment is made, amount per period, and the break out the payments by the party paying and the +timing of the payment. + +b. ESCROW ITEM DETAIL/ Escrow ItemType describes the line item. The section for which that escrow item +is relevant is specified using the IntegratedDisclosureSectionType. This qualification is very important, as +some occurrences of the EscrowItemType data point can appear in different sections of the Closing +Disclosure. The timeframe and amount associated with the escrow item is specified using both the +EscrowCollectedNumberOfMonthsCount and the EscrowMonthlyPaymentAmount. + +EscrowItemType has enumerated values to cover most scenarios in the closing process; however, there +are instances when a specific fee required by local or state laws is not listed. In these instances, use the +EscrowItemType value of “Other” plus the data point EscrowItemTypeOtherDescription with an explicit +description of the escrow item. + +c. ESCROW_ITEM_PAYMENT repeats for the applicable columns in the Other Costs table. + +EscrowItemPaymentPaidByType, EscrowItemActualPaymentAmount, and +EscrowItemPaymentTimingType = “AtClosing” are used as necessary to represent payments by the +Borrower, Seller or a third party. diff --git a/chunks/txt/00c6c99928bca462c8764c7cb498442f5efdf2976a74ffce9169546bbd75ad6c.txt b/chunks/txt/00c6c99928bca462c8764c7cb498442f5efdf2976a74ffce9169546bbd75ad6c.txt new file mode 100644 index 0000000000000000000000000000000000000000..58f25453ddf95b4b7460b72ff941baac52eedaff --- /dev/null +++ b/chunks/txt/00c6c99928bca462c8764c7cb498442f5efdf2976a74ffce9169546bbd75ad6c.txt @@ -0,0 +1,325 @@ +Less + +false + +163 + +2 + +4 + +54040 + +true + +Dwelling + +2017 + +false + +MultiWide + +1352 + +0 + +false + +3 + +2 + +0 + +C3 + +Q4 + +Builder Grade Finishes and Fixtures + +NotUpdated + +Builder Grade Quality Appliances and Cabinets + +Kitchen + +NotUpdated + +Manufactured + +SiteBuilt + +Vinyl + +TypicalWearAndTear + +ExteriorWallsAndTrim + +PostAndPier + +Foundation + +true + +TypicalWearAndTear + +Roof + +C3 + +Q4 + +1 + +Centralized + +Electric + +Other + +Heat Pump + +PropertyPhoto + +\\Images\MH2_Comp2.png + +image/png + +86 + +229999 + +SettledSale + +25.165171 + +-51.328127 + +East Street Estates + +Patio + +OutdoorLiving + +0 + +Detached + +1 + +true + +1 + +C3 + +Q4 + +false + +true + +false + +false + +false + +2021-12-05 + +2022-02-15 + +219950 + +Sale + +None + +Asphalt + +Local + +PublicStreet + +false + +Topography + +Rolling + +Residential + +13939 + +Full + +Residential + +Legal + +7525 New South Hwy + +Somecity + +12345 + +TN + +Driveway + +Asphalt + +4 + +false + +0 + +ContractDate + +0 + +SaleDate + +-12075 + +SiteSize + +0 + +NeighborhoodName + +0 + +ZoningCompliance + +0 + +PropertyStreetAccessAndSurface + +20000 + +SiteInfluence + +0 + +YearBuilt + +0 + +LivingUnitStandardFinishedAreaAboveGrade + +2500 + +OutdoorLivingAmenity + +10000 + +VehicleStorage + +267425 + +South + +Most + +false + +156 + +3 + +5 + +20425 + +true + +Dwelling + +2019 + +false + +MultiWide + +1580 + +0 + +false + +3 + +2 + +0 + +C2 + +Q3 + +Metal plumbing fixtures + +FullyUpdated + +Energy Star appliances and wood cabinets + +Kitchen + +FullyUpdated + +Manufactured + +SiteBuilt + +CementBoard + +NewOrLikeNew + +ExteriorWallsAndTrim + +CrawlSpace + +Foundation + +true + +NewOrLikeNew + +Roof + +C2 + +Q3 + +1 + +Centralized + +Electric + +Other + +Heat Pump + +PropertyPhoto + +\\Images\MH2_Comp3.jpg + +image/jpeg + +110 + +265000 + +SettledSale + +25.165170 + +-51.328128 + +South View + +Porch diff --git a/chunks/txt/00d3a4cfb20c4a628f717b28eb9d76150ab26959cea9e913801e2b4651b6ab55.txt b/chunks/txt/00d3a4cfb20c4a628f717b28eb9d76150ab26959cea9e913801e2b4651b6ab55.txt new file mode 100644 index 0000000000000000000000000000000000000000..94e920e8a82d9ba5af7cc575710fd4de619c9222 --- /dev/null +++ b/chunks/txt/00d3a4cfb20c4a628f717b28eb9d76150ab26959cea9e913801e2b4651b6ab55.txt @@ -0,0 +1,85 @@ +11.0 K. Due from Borrower at Closing + +11.0.1 + +$252,347.30 + +12.0 L. Paid Already by or on Behalf of Borrower at Closing + +12.0.1 + +$225,015.00 + +13.0 CALCULATION + +13.1 Total Due from Borrower at Closing (K) + +13.2 Total Paid Already by or on Behalf of Borrower at Closing (L) + +13.3 Cash to Close  From To Borrower + +13.1.1 + +13.2.1 + +13.3.1 + +$252,347.30 + +- $227,015.00 + +$25,332.30 + +Figure 108. CALCULATION – BORROWER’S TRANSACTION Table + +13. 1 | 13. 2 LI NE I TEMS (SECTI ON K AND L SUBTOTALS) + +The same data points used for 11.0 | 11.0.1 K. Due from Borrow at Closing (Table 106) and 12.0 | 12.0.1 L. Paid +Already by or on Behalf of Borrower at Closing (Table 113) are shown again as CALCULATION line items in the +table below. They will each appear only once in the XML file although they will be rendered in two places in the +BORROWER’S TRANSACTION table. + +13. 3 TOTAL – CASH TO CLOSE FROM OR TO TH E BORROWER 11 + +The result of the difference between the section totals for 11.0 and 12.0 is disclosed along with a checkmark +indicating whether the associated amount is due from or to the Borrower. The data point used to provide this +information is shown in the following table. + +Table 123. Total - Cash to Close From or To the Borrower + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +13.3 …From To +Borrower + +…/CLOSING_INFORM +ATION_DETAIL + +CashFromBorrowerAt +ClosingAmount + +25332.30 + +Appendix E: UCD Implementation Guide + +Page 182 of 254 + +Because this is a +positive number, it is +represented on form +as +“From” + +Version 1.4 diff --git a/chunks/txt/00e21bc033eb59bdcf83b7ebaa93a8f469ff37d5a9d797232f023680ce7119d0.txt b/chunks/txt/00e21bc033eb59bdcf83b7ebaa93a8f469ff37d5a9d797232f023680ce7119d0.txt new file mode 100644 index 0000000000000000000000000000000000000000..d809199f70b6368e8d65bf979cb894dd3bdf60ba --- /dev/null +++ b/chunks/txt/00e21bc033eb59bdcf83b7ebaa93a8f469ff37d5a9d797232f023680ce7119d0.txt @@ -0,0 +1,156 @@ +ServicesBorrowerDi +dShopFor + +Fourth Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY + +7.8.1 + +D. TOTAL LOAN +COSTS – (Borrower- +Paid) +($) + +…/INTEGRATED_DI +SCLOSURE_SECTIO +N_SUMMARY_DET +AIL + +IntegratedDisclosur +eSectionTotalAmou +nt + +4694.05 + +7.8 + +7.9 + +D. TOTAL LOAN +COSTS – (Borrower- +Paid) + +Loan Costs +Subtotals (A + B + +C) + +IntegratedDisclosur +eSectionType + +TotalLoanCosts + +IntegratedDisclosur +eSubsectionType + +LoanCostsSubtotal + +▪ Provide a value + +of “0.00” if there +are no charges +for this category + +▪ ROF as + +“$2,655.50” + +ROF as “C. Services +Borrower Did Shop +For” + +▪ Provide a value + +of “0.00” if there +are no charges +for this category + +▪ ROF as + +“$4,694.05” +▪ Should equal the + +sum of the +subtotals for +each Loan Costs +category + +ROF as “D. TOTAL +LOAN COSTS – +(Borrower-Paid)” + +ROF as “Loan Costs +Subtotals (A + B + +C) + +First Instance of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT + +7.9.2 + +Borrower-Paid + +7.9.2 + +Loan Costs +Subtotals (A + B + +C) Borrower-Paid +At Closing ($) + +7.9.2 + +At Closing + +…/INTEGRATED_DI +SCLOSURE_SECTIO +N_SUMMARY/INTE +GRATED_DISCLOSU +RE_SUBSECTION_P +AYMENTS/INTEGRA +TED_DISCLOSURE_ +SUBSECTION_PAY +MENT + +IntegratedDisclosur +eSubsectionPaidBy +Type + +IntegratedDisclosur +eSubsectionPayme +ntAmount + +Buyer + +Represented as +Borrower-Paid +heading on form + +4664.25 + +ROF as “$4,664.25” + +IntegratedDisclosur +eSubsectionPayme +ntTimingType + +AtClosing + +Represented as At +Closing heading on +form + +Appendix E: UCD Implementation Guide + +Page 112 of 254 + +Version 1.4 + +Uniform Closing Dataset + +7.0 Loan Costs Table + +Table 94. Loan Cost Table Category and Subcategory Data + +ID + +Form Field Name + +MISMO v3.3.0 +Context diff --git a/chunks/txt/00e432687adf4ebbb0b0e4412c41e7a0782475290d41a9ffa95816a7d45883ed.txt b/chunks/txt/00e432687adf4ebbb0b0e4412c41e7a0782475290d41a9ffa95816a7d45883ed.txt new file mode 100644 index 0000000000000000000000000000000000000000..b4dcb32a7ae8d6a214725db2693ee8b6449050ae --- /dev/null +++ b/chunks/txt/00e432687adf4ebbb0b0e4412c41e7a0782475290d41a9ffa95816a7d45883ed.txt @@ -0,0 +1,116 @@ +Property Restriction + +Land Use + +Site Characteristic + +Topography | Flat + +Utilities and Impact to Value/Marketability + +Broadband Internet Available + +Yes + +Electricity + +Gas + +Sanitary Sewer + +Water + +Public + + +Private + +Detail + + + + + +Septic + +Well + +Impact +Neutral + +Neutral + +Neutral + +Comment +Board fencing around entire property to the barn. + +Quarter acre lot cannot be built on nor can it be separated +and sold. + +Private Utility +Impact + +Comment + +Neutral + +Neutral + +Adverse + +Propane is typical to the market. + +Septic is typical to the market. + +Public water is available at the street. Local water +company charges $2,500 to install the meter. Public +water is typical to market. + +Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 4 of 30 +Page 4 of 30 + +If more + +than 1 + +Unit-- + +different + +set up + +Site (continued) + +Apparent Defects, Damages, Deficiencies (Site) + +None + +Site Commentary + +The subject’s site consists of two parcels, one being smaller, non-buildable site with water frontage across the street from remaining site +where the improvements are. + +Site Exhibits + +Non-Residential Use - Agricultural - Barn + +Property Access (Street Scene) + +Site Influence - Water Frontage - View - Lake Virginia + +Site Influence - View - Power Lines + +Permanent Waterfront Feature - Dock + +Permanent Waterfront Feature - Pier + +This is where the Dock photo would display. + +This is where the Pier photo would display. + +Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/00f74b4423b17147c02a3c29f1e83ef6fc7aa97b736aab77c144344b2fbfea6c.txt b/chunks/txt/00f74b4423b17147c02a3c29f1e83ef6fc7aa97b736aab77c144344b2fbfea6c.txt new file mode 100644 index 0000000000000000000000000000000000000000..93be2b56ac2cff2bdfd6eaf9f34ae253777af9a4 --- /dev/null +++ b/chunks/txt/00f74b4423b17147c02a3c29f1e83ef6fc7aa97b736aab77c144344b2fbfea6c.txt @@ -0,0 +1,7 @@ +Appendix B-1: URAR Implementation Guide v1.3 + +Page 11 + +Images Folder in the .zip File ...................................................................................................................................................................................................... 65 + +Header and Footer ................................................................................................................................................................................................................................. 66 diff --git a/chunks/txt/011503e5c029860bbde7f553f2c7f68db47eb057e087383c8bca31785f53b592.txt b/chunks/txt/011503e5c029860bbde7f553f2c7f68db47eb057e087383c8bca31785f53b592.txt new file mode 100644 index 0000000000000000000000000000000000000000..b3c41b74aa6b66336ee12f9872d0185361b6f590 --- /dev/null +++ b/chunks/txt/011503e5c029860bbde7f553f2c7f68db47eb057e087383c8bca31785f53b592.txt @@ -0,0 +1,58 @@ +## **​2023** + +## **October 2023** + +## **FHFA Fall Econ Summit** + +Date: 10/3/2023 + +Time: 9 AM - 5:30 PM ET (check-in starts at 8:30 am) + +Location: Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, ​Washington, D.C. 20219 (Conference Room ABC)​ + +Topic: Climate Risk + +[More Information: Presentations, Papers, and Agenda](/news/public-engagements/econ-summit/fall-2023) + +--- + +## **September 2023** + +## **Special Purpose Credit Programs Roundtable** + +Four federal agencies (FHFA, HUD, OCC, and CFPB) will host roundtable regarding availability of special purpose credit programs (SPCP) to help meet the credit needs of eligible individuals. ​ + +Date: 10/12/2023 + +Time: 3 PM EDT + +Location: Virtual Livestream + +--- + +## **July 2023** + +## **2023 Velocity TechSprint Observer Track Sessions** + +Date:7/10/2023​ - 7/13/2023 + +Time:7/10/2023 9:00 AM EDT - 1:00 PM EDT +7/11/2023 1:00 PM EDT - 2:00 PM EDT​​ +7/12/2023 10:00 AM EDT - 2:00 PM EDT +7/13/2023 9:00 AM EDT - 12:30 PM EDT + +Location: Virtual + +[Agenda](/media/50981) + +[More Information](/programs/fintech) + +## **2023 Duty to Serve Public Listenin​g Sessions** + +Date: 7/17/2023 - 7/19/2023 + +Time: 1:00 PM EDT - 3:00 PM EDT​​ + +Location: Virtual + +[Day 1 Agenda, Transcripts, Presentations, Video](/news/videos/2023-duty-to-serve-listening-session-rural-housing) - Duty to Serve Underserved Market Plans 2025-2027 - Rural Housing Market diff --git a/chunks/txt/0117c585a5b41af924e41e9580dd69379d87cf5b59e88984a8e18ae17a46a0d1.txt b/chunks/txt/0117c585a5b41af924e41e9580dd69379d87cf5b59e88984a8e18ae17a46a0d1.txt new file mode 100644 index 0000000000000000000000000000000000000000..3c52a6ddbd02c3c831007621c260ec1845e3ae0f --- /dev/null +++ b/chunks/txt/0117c585a5b41af924e41e9580dd69379d87cf5b59e88984a8e18ae17a46a0d1.txt @@ -0,0 +1,165 @@ +Indicates that the common elements and +recreation facilities in the project are +complete. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElements +CompletedIndicator=‘Y’] + +1 + +Boolean + +439 + +440 + +441 + +3 + +3 + +3 + +60 + +61 + +62 + +PROJECT +INFORMATION + +PUD +Are the units, common elements, +and recreation facilities +complete? +No + +Project Common +Elements Completed +Indicator + +Indicates that the common elements and +recreation facilities in the project are +complete. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElements +CompletedIndicator=‘N’] + +1 + +Boolean + +PROJECT +INFORMATION + +PUD +If no, describe the status of +completion + +Project Common +Elements Status +Description + +A free-form text field used to comment on +the status of the project common elements +and/or recreation facilities. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/@_CommonElements +StatusDescription + +4000 + +String + +PROJECT +INFORMATION + +PUD +Are the common elements leased +to or by the Homeowners' +Association? +Yes + +Project Common +Elements Leased +Indicator + +Indicates that project common elements +are leased by the project management +(e.g., HOA). + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElements +LeasedIndicator=‘Y’] + +1 + +Boolean + +442 + +3 + +63 + +PROJECT +INFORMATION + +PUD +Are the common elements leased +to or by the Homeowners' +Association? +No + +Project Common +Elements Leased +Indicator + +Indicates that project common elements +are leased by the project management +(e.g., HOA). + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElements +LeasedIndicator=‘N’] + +1 + +Boolean + +443 + +444 + +445 + +446 + +447 + +3 + +3 + +4 + +4 + +4 + +64 + +65 + +2 + +3 + +4 + +PROJECT +INFORMATION + +PUD +If yes, describe the rental terms +and options. diff --git a/chunks/txt/011c8191f73a94575d02d5af98459d5637f2a51a37682ccac50e055f74b1d9bf.txt b/chunks/txt/011c8191f73a94575d02d5af98459d5637f2a51a37682ccac50e055f74b1d9bf.txt new file mode 100644 index 0000000000000000000000000000000000000000..a27543a6aae309f52afa9665d6cc14bb490868a2 --- /dev/null +++ b/chunks/txt/011c8191f73a94575d02d5af98459d5637f2a51a37682ccac50e055f74b1d9bf.txt @@ -0,0 +1,45 @@ +Desktop Underwriter/Desktop Originator Integration Impact Memo +DU Version 11.1 Feb. Update + +Dec. 13, 2023 + +Updated Dec. 20, 2023 + +During the weekend of Feb. 10. 2024, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 11.1. The +changes in this release will apply to loan casefiles submitted or resubmitted to DU on or after the weekend of Feb. 10, 2024. + +Please review this memo, in addition to the Release Notes to ensure that your integrated system(s) will be prepared to support +this release. + +New, Modified, and Retired DU Underwriting Findings Messages + +This release will introduce new, modified, and retired messages that will be issued in the DU Underwriting Findings report. + +How will this affect my integrated system(s)? + +Integrated systems that parse the DU Underwriting Findings report data file (RES file) or Codified Findings (XML file), as well as +those that parse the DU Underwriting Findings via the DU Messages API, may require updates to support the message changes. +Reference the table below for a preliminary assessment of the anticipated message changes. + +New Messages + +Modified Messages + +Retired Messages + +1 + +1 + +1 + +The draft DU messages file will be distributed via email from Integration News (integration_news@fanniemae.com) to authorized +subscribers on or about Dec. 20, 2023. + +Release Support + +The DU Version 11.1 Feb. Update will be implemented in the DU integration environment on or around Jan. 10, 2024. + +If you have questions about the integration impact or if you require support specific to this release, contact your Technology +Integration Analyst or Integration Support. For more information about DU, visit the DU page or contact your Fannie Mae +representative. diff --git a/chunks/txt/0122386ab8f8f2f43206d85723b114cb1f5af10a1b011f635c48c0d5b7527066.txt b/chunks/txt/0122386ab8f8f2f43206d85723b114cb1f5af10a1b011f635c48c0d5b7527066.txt new file mode 100644 index 0000000000000000000000000000000000000000..654a9d98f83da4b1ed421a2e49f054e23c28b2be --- /dev/null +++ b/chunks/txt/0122386ab8f8f2f43206d85723b114cb1f5af10a1b011f635c48c0d5b7527066.txt @@ -0,0 +1,83 @@ +Exhibit 2: Requirements – Definitions of Not Updated, Updated, and Remodeled ............... 66 +Exhibit 3: Requirements – Abbreviations Used in Data Standardization Text ........................ 67 + +Document Version and Revision History + +Date +12/16/2010 +2/18/2011 + +Version # +1.0 +1.1 + +Description +Initial version +Minor formatting changes + +Page 2 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +8/11/2011 + +1.2 + +4/10/2012 + +6/19/2012 + +11/5/2013 + +1.3 + +1.4 + +1.5 + +11/22/2013 + +1.6 + +Updates: +- Added additional clarity in Introduction and Purpose and + +Overview Sections + +- Added notation in multiple sections that additional + +information can be provided elsewhere in the appraisal +report + +- Added clarification to Overall Condition rating +- Provided clarity on View and Location factors on how to report + +multiple factors + +- Provided additional notation on Basement & Finished + +Rooms Below Grade + +- Provided additional notation on Price of Prior + +Sale/Transfer + +Clarifications relating to the selection of Condition and Quality +ratings, as well as clarifications with respect to each +condition rating + +Modification to the requirement for indicating the Unit +Number when not available. + +Updates in the Sales Comparison section: +- Updated instructions for Design (Style) +- Updated instructions for Garage/Carport +Updates in the Sales Comparison section: +- Updating the Design (Style) for Condominiums reporting diff --git a/chunks/txt/013fb0372cfafb84d90124f8f8b53cd137bb3dc0525a9a4f96681dec307726b8.txt b/chunks/txt/013fb0372cfafb84d90124f8f8b53cd137bb3dc0525a9a4f96681dec307726b8.txt new file mode 100644 index 0000000000000000000000000000000000000000..e31e5f06b1c129b0ee67aba3460c762d7768715e --- /dev/null +++ b/chunks/txt/013fb0372cfafb84d90124f8f8b53cd137bb3dc0525a9a4f96681dec307726b8.txt @@ -0,0 +1,77 @@ +Small rooms often with low ceilings, limited +closet or storage space, and little or no trim +or finishes. +Low grade or non-existent floor coverings. +Small kitchens featuring only the minimum +requirements for function; with limited +cabinetry and countertop space; and low- +grade or non-existent appliances. +Bathrooms that are limited in size and +number and feature only the minimum +requirements for function; limited or no +cabinetry; and low-grade plumbing fixtures. + +Q3 + +Q4 + +Q5 + +Q6 + +• + +• Multiple windows and doorways constructed +with upgraded materials and featuring +decorative design elements adorning at least +the front of the home. +Roof designs using upgraded roof materials; +may have steep pitches, could have more +than one ridge with hips and valleys, gables, +and overhangs. +Exterior walls constructed using upgraded +materials and featuring multiple corners +with some angled walls or unique shapes. + +• + +• Windows and doorways constructed of + +• + +• + +• + +• + +• + +• + +• + +• + +standard-grade material. +Simple roof designs using standard-grade +roof materials with moderate pitch and +could have more than one ridge; may +feature some simple decorative elements +such as gables or overhangs. +Exterior walls constructed using standard- +grade materials and featuring multiple +corners; but basically rectangular in shape or +footprint. + +Limited windows and doorways, constructed +of economy grade materials, simple in shape +and design, and featuring basic trim and +finish. +Basic roof design, usually low-pitch and +single roofline; features economy or +standard-grade roof materials. +Exterior walls constructed using economy or +standard-grade materials and featuring +minimal corners; usually a basic rectangular +shape. diff --git a/chunks/txt/0146713871f48b5a9ce7af0cf84c4914e1f39cd6e27ed21658ec5053c9550e14.txt b/chunks/txt/0146713871f48b5a9ce7af0cf84c4914e1f39cd6e27ed21658ec5053c9550e14.txt new file mode 100644 index 0000000000000000000000000000000000000000..e487ef6d64e14f469628d73b16aa4adebb056ab8 --- /dev/null +++ b/chunks/txt/0146713871f48b5a9ce7af0cf84c4914e1f39cd6e27ed21658ec5053c9550e14.txt @@ -0,0 +1,7 @@ +CK-H2 – Checkbox with H2 ................................................................................................................................. 26 + +CK-TAB – Checkboxes on Black Tab .................................................................................................................... 26 + +CK-1I – Checkbox one column Indented ............................................................................................................. 27 + +Table Guidelines ............................................................................................................................................ 27 diff --git a/chunks/txt/0146f895d7a65e3876fc4ef6506ba8c14efea21f6efdba8a23c5edc3d4ab5cc3.txt b/chunks/txt/0146f895d7a65e3876fc4ef6506ba8c14efea21f6efdba8a23c5edc3d4ab5cc3.txt new file mode 100644 index 0000000000000000000000000000000000000000..e10b4377e88d8500dd649503af413eb3d087ef1c --- /dev/null +++ b/chunks/txt/0146f895d7a65e3876fc4ef6506ba8c14efea21f6efdba8a23c5edc3d4ab5cc3.txt @@ -0,0 +1,251 @@ +PhysicalMeasurement + +MLS + +HC3148234 + +MLS + +HC3183023 + +MLS + +HC1234823 + +MLS + +HC9652147 + +MLS + +HC74563455 + +MLS + +ABC MLS + +AssessorRecord + +213 Tree Stand Rd + +Anytown + +Hill + +09992 + +MD + +Driveway + +Concrete + +3 + +false + +\\Images\SF5_VehicleStorage.png + +image/png + +None + +false + +false + +false + +None + +None + +false + +true + +false + +Dwelling + +false + +2018 + +false + +None + +Carpet + +TypicalWearAndTear + +CeramicTile + +TypicalWearAndTear + +Flooring + +NotUpdated + +TypicalWearAndTear + +WallsAndCeiling + +EightFeet + +Flat + +AboveGrade + +1260 + +LevelOne + +0 + +0 + +0 + +0 + +0 + +1260 + +0 + +false + +3 + +2 + +0 + +C3 + +Q4 + +1 + +NotUpdated + +false + +OwnerOccupied + +The dwelling has been well-maintained and exhibits only minimal wear and tear. + +Primary Bedroom + +\\Images\SF5_Bedroom1.png + +image/png + +LevelOne + +Bedroom + +Second Bedroom + +\\Images\SF5_Bedroom2.png + +image/png + +LevelOne + +Bedroom + +Third Bedroom + +\\Images\SF5_Bedroom3.png + +image/png + +LevelOne + +Bedroom + +\\Images\SF5_DiningRoom.png + +image/png + +LevelOne + +DiningRoom + +Primary Bath + +\\Images\SF5_Bath1.png + +image/png + +LevelOne + +TypicalWearAndTear + +Standard grade cabinetry and plumbing fixtures + +FullBathroom + +NotUpdated + +Bath 2 + +\\Images\SF5_Bath2.png + +image/png + +LevelOne + +TypicalWearAndTear + +Standard grade cabinetry and plumbing fixtures + +FullBathroom + +NotUpdated + +\\Images\SF5_Kitchen.png + +image/png + +LevelOne + +TypicalWearAndTear + +Upgraded cabinetry, ceramic tile flooring, and upgraded appliances + +Kitchen + +NotUpdated + +\\Images\SF5_LivingRoom.png + +image/png + +LevelOne + +LivingRoom + +Ranch + +SiteBuilt + +Brick + +Wood + +TypicalWearAndTear + +ExteriorWallsAndTrim + +PouredConcrete + +Slab + +TypicalWearAndTear + +Foundation diff --git a/chunks/txt/014d31e6ad9a7f918cd54041c10c7821747055e6398ce717d999d561f35787eb.txt b/chunks/txt/014d31e6ad9a7f918cd54041c10c7821747055e6398ce717d999d561f35787eb.txt new file mode 100644 index 0000000000000000000000000000000000000000..584e93519b9210baa3b9038a7d3748ef32ad36b0 --- /dev/null +++ b/chunks/txt/014d31e6ad9a7f918cd54041c10c7821747055e6398ce717d999d561f35787eb.txt @@ -0,0 +1,70 @@ +1. LoanPurposeType value (“Refinance” or “Purchase”) + +2. PersonalPropertyIndicator value (“false” or “true”) + +The following checklist provides an overview of the relationships between the values delivered for each property value + +data point. UCD v2.0 provides the superset of data points to support each valuation scenario. + +Figure 11. Property Valuation Scenarios. + +a. Refinance Transactions + +The data points provided for the value of the property depend on the transaction. The appraised value or borrower’s + +estimate is submitted for a refinance and the sales price of the property is submitted for a purchase. + +Figure 12. Rendering Property Value Data on the CD. + +1.0 Closing Information + +1.7 Appraised Property Value + +UCD v2.0 Implementation Guide + +- 21 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 12. Rendering Property Value Data on the CD. + +OR + Estimated Property Value $300,000 + +i. Estimated Value + +Whether the valuation has been determined by a professional source or is estimated by the borrower determines the + +data point to provide in the XML file. The estimated value is provided in PROPERTY_DETAIL. + +Table 9. UCD v2.0 Spec Excerpt-Construction Method and Estimated Property Value Data +Requirements. + +UCD UID + +MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/COL +LATERALS/COLLATERAL/SUBJECT_PROPERTY/PROPERTY_DETAIL + +1.027 + +ConstructionMethodType + +Other + +1.028 + +ConstructionMethodTypeOtherDescription Container + +1.017 + +PropertyEstimatedValueAmount diff --git a/chunks/txt/0157d44d772fe4deabc2dd4698883b0a1dc8aecbe32a2e0386a14572f9bd2ef2.txt b/chunks/txt/0157d44d772fe4deabc2dd4698883b0a1dc8aecbe32a2e0386a14572f9bd2ef2.txt new file mode 100644 index 0000000000000000000000000000000000000000..d69f37f8e1fcb5d311a261d11cfa4d6f5dab7d8f --- /dev/null +++ b/chunks/txt/0157d44d772fe4deabc2dd4698883b0a1dc8aecbe32a2e0386a14572f9bd2ef2.txt @@ -0,0 +1,151 @@ +2 COLUMN PAGE FORMAT + +HDR-R + +HDR-L + +TAB + +Functional Obsolescence + +TXR-B + +Functional Issues + +H1 +TXC + +H1 + +Functional Obsolescence Commentary + +Functional Obsolescence Exhibits + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +HDR-L + +TAB + +Outbuilding - [Outbuilding Type] + +2 COLUMN PAGE FORMAT + +HDR-R + +TXR-B + +TXR-B + +TXC-I1 + +Considered Real Property +Units in Structure +Attached to Permanent Foundation +Structure Volume +Gross Building Area + +Gross Building Area for the outbuilding includes area for vehicle storage, +ADU(s), and any other uses + +H1 + +Detail + +CK1 +CK1 + +Heating +Cooling + +TXR-B + +Utilities + +Y/N + +Yes No +  +  + +TXC-I1 + +The table below depicts the area of the outbuilding, excluding vehicle +storage and any ADU(s) + +TCH +TB +TB + +Finish +Finished + +Unfinished + +Total Area + +Room Summary + +H1 + +Mechanical System Details + +TCH +TB +TB + +Heating + +Cooling + +System + +Detail + +TXR-B + +Other Mechanical Systems + +H1 + +Apparent Defects, Damages, Deficiencies ([Outbuilding Type]) + +TXC-I + +The items listed below represent the As Is condition as of the effective date of this report + +Feature + +Location + +Description + +Affects Soundness or +Structural Integrity + +Recommended +Action + +Outbuilding Commentary + +Outbuilding Exhibits + +TCH +TB + +H1 +TXC + +H1 + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +HDR-L diff --git a/chunks/txt/0158af2544c24e8ad68b9adb004a9607bf4e03f51a7928e3dc421a01340d36f8.txt b/chunks/txt/0158af2544c24e8ad68b9adb004a9607bf4e03f51a7928e3dc421a01340d36f8.txt new file mode 100644 index 0000000000000000000000000000000000000000..95d36aea8e069f38c961b6bf0a9aa0cc4bed8108 --- /dev/null +++ b/chunks/txt/0158af2544c24e8ad68b9adb004a9607bf4e03f51a7928e3dc421a01340d36f8.txt @@ -0,0 +1,48 @@ +A. Containers: V3.0 Reference Model Organization + +The V3.0 Reference Model is an XML schema document representing logical categories +of real estate finance industry data, the relationships among those categories, and the data +points making up each category. In the V3.0 Reference Model, these categories are called +“containers.” Containers are simply collections of related data. Containers that hold other +containers are “parents” and the containers they hold are “children.” In a hierarchy of +related containers, the lowest level container holds only data points. There are no “mixed +containers,” that is, containers holding both child containers and data points. + +Each container has a child EXTENSION container. Business partners use the EXTENSION +container to hold trading-partner specific data points that are not part of the MISMO +standard. ULDDS Appendix A does not use any EXTENSION containers. + +The root (highest level) container in the MISMO V3.0 Reference Model is MESSAGE. In +the example below, MESSAGE is the parent of ABOUT_VERSIONS, DEAL_SETS, and so on. +ABOUT_VERSIONS and DEAL_SETS are children of MESSAGE. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 25 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +Example IV -1. Relationships among Containers. + +ABOUT_VERSIONS + +DEAL_SETS + +DOCUMENT_SETS + +RELATIONSHIPS + +SYSTEM_ +SIGNATURES + +EXTENSION + +MESSAGE + +Notes: ULDDS Appendix A uses +only the ABOUT_VERSIONS and +DEAL_SETS containers. + +1. Applicability: Containers used for Loan Delivery diff --git a/chunks/txt/0164af648be59f0ef2cab6170b9a765e6aeba0369a191995213ba512a55324a5.txt b/chunks/txt/0164af648be59f0ef2cab6170b9a765e6aeba0369a191995213ba512a55324a5.txt new file mode 100644 index 0000000000000000000000000000000000000000..818b834a51e571099671fc8270f91e8eb650c12a --- /dev/null +++ b/chunks/txt/0164af648be59f0ef2cab6170b9a765e6aeba0369a191995213ba512a55324a5.txt @@ -0,0 +1,92 @@ +12.022 Description + +12.023 Affects + +Soundness or +Structural +Integrity + +12.024 Recommended +Action + +Required for each +defect, damage, or +deficiency + +Required for each +defect, damage, or +deficiency + +Required for each +defect, damage, or +deficiency + +If the defect, damage, or deficiency is in the ADU portion of the +outbuilding, report this in the Unit Interior section. +Photos or images must be provided for each physical defect, damage, or +deficiency. These display in Outbuilding Exhibits as “Apparent Defects, +Damages, Deficiencies” with the indicated Feature. An additional caption +may be provided. + +Full Bathroom +Half Bathroom +Kitchen +Other (Describe) – Briefly describe the location of the defect, damage, or +deficiency. + +• + +• +• +• +• + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Free-form + +Description of the defect, damage, or deficiency. + +Yes | No + +Indicates whether the defect, damage, or deficiency affects the soundness and +/ or structural integrity of the improvement. + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Completion +Inspection +Repair (includes replacement) +None (does not require repair, replacement, completion, or inspection) + +The recommended action for the defect, damage, or deficiency. +• +• +• +• +Note: +• + +If Completion, Inspection, or Repair is reported for any defect, damage, or +deficiency + +o + +o + +The report must be made subject to the resolution of the item +(Market Value Condition 26.009 cannot be As Is). +If Repair is selected, the estimated cost to repair may be +provided in the Reconciliation section. + +Appendix F-1: URAR Reference Guide diff --git a/chunks/txt/0164d776bd223d1da6fc465e1e199f7ae04b9c114c7c36d9e4ba0af62f2a66ae.txt b/chunks/txt/0164d776bd223d1da6fc465e1e199f7ae04b9c114c7c36d9e4ba0af62f2a66ae.txt new file mode 100644 index 0000000000000000000000000000000000000000..a17f4e87b937fb6ce45cb773e5d7f93375bb72b5 --- /dev/null +++ b/chunks/txt/0164d776bd223d1da6fc465e1e199f7ae04b9c114c7c36d9e4ba0af62f2a66ae.txt @@ -0,0 +1,59 @@ +Introductory Rate Period: Introductory + +Rate Period is a new HMDA data +element collected by the Enterprises +that indicates the number of months +until the first date the interest rate may +change.28 It will be disclosed without +modification in the PUDB Single-Family +Census Tract File, in conformance with +the CFPB Privacy Guidance.29 + +Property Value: Property Value is a +new HMDA data element collected by +the Enterprises that discloses the value +of the property securing the loan, in +exact dollars, that was relied on by the +lender in making the credit decision to + +26 12 CFR 1003.4(a)(19); CFPB Home Mortgage + +Disclosure Act FAQs, https:// +www.consumerfinance.gov/policy-compliance/ +guidance/hmda-implementation/home-mortgage- +disclosure-act-faqs/#discount-points (Aug. 28, +2019). + +27 84 FR at 656. +28 12 CFR 1003.4(a)(26). +29 84 FR at 656. + +originate the loan.30 Because Property +Value can be highly unique within a +census tract, the CFPB Privacy Guidance +discloses it as the midpoint of the +$10,000 interval in which the actual +value falls in order to reduce the ability +to match it with other sources of data +and facilitate re-identification of the +borrower.31 Beginning with the 2018 +PUDB, the Single-Family Census Tract +File will disclose Property Value with +the same modification as in the CFPB +Privacy Guidance. + +Preapproval: 32 Preapproval is a +modified HMDA data element that +indicates whether preapproval of the +loan was requested by the applicant +under a financial institution’s covered +preapproval program.33 Fannie Mae +indicated that it collects some +preapproval data. Freddie Mac +indicated that it does not collect any +preapproval data. The available +Preapproval data will be disclosed +without modification in the PUDB +Single-Family Census Tract File, in +conformance with the CFPB Privacy +Guidance.34 diff --git a/chunks/txt/016d59a6c54c2875ba654b1c96b875291271001bd72e2b3244e4757aa37e4d2e.txt b/chunks/txt/016d59a6c54c2875ba654b1c96b875291271001bd72e2b3244e4757aa37e4d2e.txt new file mode 100644 index 0000000000000000000000000000000000000000..5af3e27f9479c33100a7f05de142017ff85c395c --- /dev/null +++ b/chunks/txt/016d59a6c54c2875ba654b1c96b875291271001bd72e2b3244e4757aa37e4d2e.txt @@ -0,0 +1,7 @@ +Glossary .................................................................................................................................. 5 + +Introduction ............................................................................................................................. 6 + +Document Organization .......................................................................................................... 6 + +Data Relationships .................................................................................................................... 7 diff --git a/chunks/txt/016e66df3a65188ae04f6f832e50d7b270019c144af6738d96b249611e8985db.txt b/chunks/txt/016e66df3a65188ae04f6f832e50d7b270019c144af6738d96b249611e8985db.txt new file mode 100644 index 0000000000000000000000000000000000000000..140491ff9dc59ee9934ffe3fd1a416e9f5765e4f --- /dev/null +++ b/chunks/txt/016e66df3a65188ae04f6f832e50d7b270019c144af6738d96b249611e8985db.txt @@ -0,0 +1,40 @@ +Type 2: 9 picas 0 points wide, with content (TB) for the balance of the Subject Property column. + +• + +If applicable per the iGuide, an em-dash “—” can appear in a cell instead of other text. + +In the Comparable columns, four of the five types of cells appear. + +Type 2: 9 picas 0 points wide, with content (TB), if applicable. + +• + +If applicable per the iGuide, an em-dash “—” can appear in a cell instead of other text. + +Type 3: 5 picas 3 points wide, with content (TB), if applicable. + +Type 4: 3 picas 6 points wide, with adjustment dollar figure content (TB), if applicable. + +Type 5: 3 picas 6 points wide, with a 10% Black fill (grayed out), no content for the following: “Days on + +Market,” “Annual Ground Rent,” “Rights Not Included,” “Same Builder as Subject” + +Table sets 5 equal columns x 45 picas. May run several pages. Photos display on first page of grid only. TCHs and +“Property Address” row repeat on subsequent pages. Table can only break from page to page before a TB- +SCA_sub-H1, TB-SCA_sub-H1-ADJ or TB-SCA_H2. + +• Column heads: Column 1 – none, “Subject Property,” “Comparable #1,” “Comparable #2,” +“Comparable #3” set as TCH; TCHs repeat at the top of subsequent pages of this table. + +• + +• + +If there are more than 3 comparables, after all the information is recorded for Comps 1-3, the +leftmost column and the “Subject Property” column repeat on following pages, followed by +“Comparable #” repeating as necessary. + +“Property Address” sets first column, first row as TB; Photo = 7 picas high; addresses and photos of +Subject and Comparables fill cells of the balance of the row, photos do not repeat on subsequent +pages. diff --git a/chunks/txt/0171540ba71e5481285f6d6c4002930060887a9d35c80d9f14363b1add6d9273.txt b/chunks/txt/0171540ba71e5481285f6d6c4002930060887a9d35c80d9f14363b1add6d9273.txt new file mode 100644 index 0000000000000000000000000000000000000000..89a8f9be529fb7ef3a9da8d6ecc866f4595b3a4b --- /dev/null +++ b/chunks/txt/0171540ba71e5481285f6d6c4002930060887a9d35c80d9f14363b1add6d9273.txt @@ -0,0 +1,56 @@ +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 29 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +Table IV-1. Definitions of High-Level Containers + +….POOL_DETAIL + +..PARTIES + +…PARTY + +….ROLES + +Information about parties to the transaction at the +MESSAGE level. + +….:PARTY_ROLE_IDENTIFIERS + +The unique identifier assigned to a PartyRoleType, in +this case, LoanDeliveryFilePreparer. + +B. Cardinality: Container Repeatability and Relationships + +If a container is plural, its singular child can repeat multiple times within it. For example, +DEAL_SET can repeat many times within DEAL_SETS. This establishes a one-to-many +relationship between the plural and singular containers. In the ULDDS Appendix A, you +will see the notation “(MIN=n, MAX=n)” following each container name in the heading +bars: + +Table IV-2. Cardinality Example from ULDDS Appendix A. + +MESSAGE (MIN=1, MAX=1) + +.ABOUT_VERSIONS (MIN=1, MAX=1) + +..ABOUT_VERSION (MIN=1, MAX=1) + +.DEAL_SETS (MIN=1, MAX=1) + +..DEAL_SET (MIN=1, MAX=unbounded) + +This (MIN, MAX) expression is referred to as the container’s cardinality—the +specification of how many times the container may repeat within its parent. “MIN” +represents the minimum number of occurrences allowed, and “MAX” represents the +maximum number of occurrences allowed. If the MIN is greater than or equal to one, the +container is required with all transactions. If the MIN is zero, the container is +conditionally required or optional. The conditionality of the data points within the lowest +level container is what determines the container’s minimum cardinality. If a container +holds only optional or conditional data points, its cardinality will be MIN=0, because there +are situations where the data point will not be required. If a container holds any required +data points, its cardinality will be MIN = 1. diff --git a/chunks/txt/01775709fe2cb5b8071db2ac206adbe2691fc769b925630e000a90d91c946f1d.txt b/chunks/txt/01775709fe2cb5b8071db2ac206adbe2691fc769b925630e000a90d91c946f1d.txt new file mode 100644 index 0000000000000000000000000000000000000000..6758b6d60c6ed8d31de7c29aa22c10ee9d046c14 --- /dev/null +++ b/chunks/txt/01775709fe2cb5b8071db2ac206adbe2691fc769b925630e000a90d91c946f1d.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/13626","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. 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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); })(); diff --git a/chunks/txt/017d51286761275b8ae74a770587fae410fcfc723b64050e8cbb7f7d73c7cc91.txt b/chunks/txt/017d51286761275b8ae74a770587fae410fcfc723b64050e8cbb7f7d73c7cc91.txt new file mode 100644 index 0000000000000000000000000000000000000000..9f089b148705a3ba1eb433fb788d1078875488f5 --- /dev/null +++ b/chunks/txt/017d51286761275b8ae74a770587fae410fcfc723b64050e8cbb7f7d73c7cc91.txt @@ -0,0 +1,5 @@ +record_id: 1300187770000 | year: 2013 | weight: 20 | state_fips_2010: 39 | state_fips_2020: NA | county_fips_2010: 39145 | county_fips_2020: NA | tract_fips_2010: 39145003700 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 3 | sales_range_high: 215000 | sales_range_low: 185000 | updated_last_15_years: 1 | lot_size: 2 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 3 | gross_living_area: 5 | median_adjustment: -6130 | average_adjustment: -6197 | adjusted_price: 195000 | number_comparables: 1 | same_tract_percent: 0 | calculated_proximity: 4.42 | reported_proximity: 4.42 | value_sale_comparison: 195000 | value_cost: 185000 | value_income: NA | appraised_value: 195000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 1 +record_id: 1300185773000 | year: 2013 | weight: 20 | state_fips_2010: 36 | state_fips_2020: NA | county_fips_2010: 36029 | county_fips_2020: NA | tract_fips_2010: 36029009104 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 115000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 135000 | sales_range_low: 115000 | updated_last_15_years: 1 | lot_size: 2 | quality: 3 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 4 | median_adjustment: -800 | average_adjustment: -2067 | adjusted_price: 125000 | number_comparables: 1 | same_tract_percent: 33 | calculated_proximity: 0.73 | reported_proximity: 0.68 | value_sale_comparison: 125000 | value_cost: 125000 | value_income: NA | appraised_value: 125000 | appraisal_to_contract: 102.6 | comparison_to_contract: 102.6 | dts_rural: 2 +record_id: 1300045673000 | year: 2013 | weight: 20 | state_fips_2010: 26 | state_fips_2020: NA | county_fips_2010: 26103 | county_fips_2020: NA | tract_fips_2010: 26103002800 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 115000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 105000 | sales_range_low: 95000 | updated_last_15_years: 1 | lot_size: 2 | quality: 5 | condition: 4 | bathrooms: 1 | bedrooms: 2 | gross_living_area: 2 | median_adjustment: 2400 | average_adjustment: 3027 | adjusted_price: 115000 | number_comparables: 1 | same_tract_percent: 33 | calculated_proximity: 0.17 | reported_proximity: 0.19 | value_sale_comparison: 115000 | value_cost: 25000 | value_income: NA | appraised_value: 115000 | appraisal_to_contract: 101.3 | comparison_to_contract: 101.3 | dts_rural: 1 +record_id: 1300088442000 | year: 2013 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06001 | county_fips_2020: NA | tract_fips_2010: 06001405100 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 2 | growth_rate: 3 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 1305000 | sales_range_low: 475000 | updated_last_15_years: 1 | lot_size: 2 | quality: 4 | condition: 3 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 6 | median_adjustment: -12375 | average_adjustment: -7430 | adjusted_price: 825000 | number_comparables: 3 | same_tract_percent: 100 | calculated_proximity: 0.24 | reported_proximity: 0.24 | value_sale_comparison: 835000 | value_cost: 835000 | value_income: NA | appraised_value: 835000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2 +record_id: 1300174004000 | year: 2013 | weight: 20 | state_fips_2010: 18 | state_fips_2020: NA | county_fips_2010: 18003 | county_fips_2020: NA | tract_fips_2010: 18003011608 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 595000 | sales_range_low: 455000 | updated_last_15_years: 2 | lot_size: 3 | quality: 3 | condition: 3 | bathroom diff --git a/chunks/txt/01916139f8af7aa374e66a9e4deb6fe2b04c472c8940952876e8e1b6cdb244ad.txt b/chunks/txt/01916139f8af7aa374e66a9e4deb6fe2b04c472c8940952876e8e1b6cdb244ad.txt new file mode 100644 index 0000000000000000000000000000000000000000..f670763ef7f94b8758ec74522f3d48a7f7e9f688 --- /dev/null +++ b/chunks/txt/01916139f8af7aa374e66a9e4deb6fe2b04c472c8940952876e8e1b6cdb244ad.txt @@ -0,0 +1,148 @@ +ClosingCostsPaidBefo +reClosing + +ROF as “Closing Costs +Paid Before Closing” + +Third Instance of CASH_TO_CLOSE_ITEM + +10.3.3 Did this change? + +…/CASH_TO_CLOSE_I +TEM + +IntegratedDisclosure +CashToCloseItemAm +ountChangedIndicato +r + +false + +ROF as “NO” + +10.3.4 If yes… + +10.3.1 Loan Estimate + +10.3.2 Final + +IntegratedDisclosure +CashToCloseItemCha +ngeDescription + +N/A + +IntegratedDisclosure +CashToCloseItemEsti +matedAmount + +0.00 + +IntegratedDisclosure +CashToCloseItemFina +lAmount + +0.00 + +ROF as “$0” + +ROF as “$0.00” + +10.3 Closing Costs + +Financed (Paid from +your Loan Amount) + +IntegratedDisclosure +CashToCloseItemTyp +e + +ClosingCostsFinanced Formatting for form + +required + +Fourth Instance of CASH_TO_CLOSE_ITEM + +10.4.3 Did this change? + +…/CASH_TO_CLOSE_I +TEM + +IntegratedDisclosure +CashToCloseItemAm +ountChangedIndicato +r + +false + +ROF as “NO” + +10.4.4 If yes… + +10.4.1 Loan Estimate + +10.4.2 Final + +10.4 Down Payment + +IntegratedDisclosure +CashToCloseItemCha +ngeDescription + +N/A + +IntegratedDisclosure +CashToCloseItemEsti +matedAmount + +IntegratedDisclosure +CashToCloseItemFina +lAmount + +IntegratedDisclosure +CashToCloseItemTyp +e + +18000.00 + +ROF as “$18,000.00” + +18000.00 + +ROF as “$18,000.00” + +DownPayment + +ROF as “Down +Payment” + +Appendix E: UCD Implementation Guide + +Page 152 of 254 + +Version 1.4 + +Uniform Closing Dataset + +10.0 Calculating Cash to Close + +Table 103. Calculating Cash to Close Table – Model Form and Split Disclosure – Borrower-Only + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute MISMO v3.3.0 Value + +Notes + +Fifth Instance of CASH_TO_CLOSE_ITEM + +10.5.3 Did this change? + +…/CASH_TO_CLOSE_I +TEM diff --git a/chunks/txt/01ad3b11be74538c67460b16725af06fb85b6117c709d4deed7aac8f47f41f79.txt b/chunks/txt/01ad3b11be74538c67460b16725af06fb85b6117c709d4deed7aac8f47f41f79.txt new file mode 100644 index 0000000000000000000000000000000000000000..6264084baae188ebf78674350137099361f741c2 --- /dev/null +++ b/chunks/txt/01ad3b11be74538c67460b16725af06fb85b6117c709d4deed7aac8f47f41f79.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34281","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); })(); diff --git a/chunks/txt/01b1d7d6bcaf243258697abef50cdf58ac83bbca7ffd41d58fc2682ecc340861.txt b/chunks/txt/01b1d7d6bcaf243258697abef50cdf58ac83bbca7ffd41d58fc2682ecc340861.txt new file mode 100644 index 0000000000000000000000000000000000000000..32ab83ecc05eb64015953090c020b3cd97aa8e71 --- /dev/null +++ b/chunks/txt/01b1d7d6bcaf243258697abef50cdf58ac83bbca7ffd41d58fc2682ecc340861.txt @@ -0,0 +1,59 @@ +Allowable Values + C1 + C2 + C3 + C4 + C5 + C6 + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +Specify Above Grade Rooms Only + +PDF Display Format: +Whole numbers only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +Specify Above Grade Bedrooms Only + +PDF Display Format: +Whole numbers only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +Specify Above Grade Bathroom Only + +PDF Display Format: +Full Bath Count.Half Bath Count +nn.nn + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +The sum of this field 3-86 and fields (3-60, +3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3- +76, 3-78, 3-80, 3-82, 3-84, 3-87, 3-91, 3-93, +3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3- +107, 3-109, 3-111) must add up to Net +Adjustment field 3-116. + +The sum of this field 3-87 and fields (3-60, +3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3- +76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-91, 3-93, +3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3- +107, 3-109, 3-111) must add up to Net +Adjustment field 3-116. + +The sum of this field 3-91 and fields (3-60, +3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3- +76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-93, +3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3- +107, 3-109, 3-111) must add up to Net +Adjustment field 3-116. diff --git a/chunks/txt/01bfeb0904f090b779f30769cb516462594bcc35b2da36d21d914fb978586786.txt b/chunks/txt/01bfeb0904f090b779f30769cb516462594bcc35b2da36d21d914fb978586786.txt new file mode 100644 index 0000000000000000000000000000000000000000..786c5ea84983c912f30e7d954643a0989ce943e1 --- /dev/null +++ b/chunks/txt/01bfeb0904f090b779f30769cb516462594bcc35b2da36d21d914fb978586786.txt @@ -0,0 +1,88 @@ +1.7 Sale Price $240,000 + +Figure 9. Property When Complete Street Address Not Available + +As shown in Table 13, the data point capturing the legal description of the property is an open text field to +accommodate various representations of the description. See ADDRESS, ADDRESS – SUBJECT PROPERTY, and +REUSABLE CONTAINERS in Section V. + +Appendix E: UCD Implementation Guide + +Page 34 of 254 + +Version 1.4 + +Uniform Closing Dataset + +1.0 Closing Information + +Table 13. Property When Complete Street Address Not Available + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data + +Point/Attribute MISMO v3.3.0 Value + +Notes + +1.6 + +Property + +…/SUBJECT_PROPER +TY/ADDRESS + +PostalCode + +12345 + +Provided regardless +of how property is +identified + +UnparsedLegalDescri +ption + +Lot 32, Block 123, +Section 4 + +…/LEGAL_DESCRIPTI +ONS/LEGAL_DESCRIP +TION/UNPARSED_LE +GAL_DESCRIPTIONS/ +UNPARSED_LEGAL_D +ESCRIPTION + +3. PERSONAL PROPERTY (OPTI ONAL) + +If personal property is also used to secure the loan, the creditor has the option to disclose it as shown in Figure +10. Identification of both real and personal property may be included. + +1.0 Closing Information + +1.5 File # + +CI-3456 + +1.6 Property + +456 Somewhere Avenue, Unit #284 +Anytown, ST 12345 +Savings Bonds + +1.7 Sale Price $240,000 + +Figure 10. Property includes Personal Property + +If the creditor decides to disclose personal property, the data point(s) used to describe it is delivered in addition +to the data points describing the subject property. + +Table 14 shows that instead of SUBJECT_PROPERTY under COLLATERAL, PLEDGED_ASSET is used for personal +property. The value of AssetType identifies the item. COLLATERAL may repeat as many times as necessary to +disclose all the personal property items. See REPEATABLE CONTAINERS in Section V. diff --git a/chunks/txt/01d338fedc03becf2fcf0fbee4c93f0448bea1e5b11a6c49e70a86cebb7e68ec.txt b/chunks/txt/01d338fedc03becf2fcf0fbee4c93f0448bea1e5b11a6c49e70a86cebb7e68ec.txt new file mode 100644 index 0000000000000000000000000000000000000000..1c8d82168cb0c14710e06babd26508e118f871dc --- /dev/null +++ b/chunks/txt/01d338fedc03becf2fcf0fbee4c93f0448bea1e5b11a6c49e70a86cebb7e68ec.txt @@ -0,0 +1,71 @@ +These messages are the same for each GSE. + +UCDP System Findings + +Freddie Mac + +Data Fields Specific to the System Findings + +Field Name + +Definition / Description + +Additional Information + +Finding Category + +Defines the type of message (or finding) returned within +the section. + +Identified in Header + +Severity + +Indicates the level of impact of a particular message +associated with an appraisal report finding and how +urgently the finding should be addressed. + +Fatal + +Warning + +Message + +The text description of each appraisal report finding. + +Message ID + +A unique identifier assigned to each finding/message. + +“SYS” Prefix + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. + +UAD Compliance Findings + +The UAD 3.6 Compliance Findings verify that the submitted XML file adheres to UAD 3.6 specifications. +These are messages generated during a UAD compliance check that contains information about data format +and completeness issues. + +These messages are the same for each GSEs. + +Joint UAD Compliance Findings + +Fannie Mae + +Freddie Mac + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. + +Data Fields Specific to the UAD Compliance Findings + +Field Name +Finding Category + +Defines the type of message (or finding) returned within the section. diff --git a/chunks/txt/01d4de0da417ccb88e626e330252ba25256f96b3f79b8c9f6afb1db62f866ef0.txt b/chunks/txt/01d4de0da417ccb88e626e330252ba25256f96b3f79b8c9f6afb1db62f866ef0.txt new file mode 100644 index 0000000000000000000000000000000000000000..742dacd665f44e7f537622ce232b83e9a806de71 --- /dev/null +++ b/chunks/txt/01d4de0da417ccb88e626e330252ba25256f96b3f79b8c9f6afb1db62f866ef0.txt @@ -0,0 +1,26 @@ +214,024 open jobs](https://www.linkedin.com/jobs/technical-lead-jobs?trk=organization_guest-browse_jobs) + - [### Risk Analyst jobs + +60,451 open jobs](https://www.linkedin.com/jobs/risk-analyst-jobs?trk=organization_guest-browse_jobs) + Show more jobs like this Show fewer jobs like this + +More searches More searches - - [Tax Manager jobs](https://www.linkedin.com/jobs/tax-manager-jobs?trk=organization_guest_linkster_link) + - [Real Estate Manager jobs](https://www.linkedin.com/jobs/real-estate-manager-jobs?trk=organization_guest_linkster_link) + - [Analyst jobs](https://www.linkedin.com/jobs/analyst-jobs?trk=organization_guest_linkster_link) + - [Document Control Specialist jobs](https://www.linkedin.com/jobs/document-control-specialist-jobs?trk=organization_guest_linkster_link) + - [Online Adjunct Instructor jobs](https://www.linkedin.com/jobs/online-adjunct-instructor-jobs?trk=organization_guest_linkster_link) + - [Adjunct Instructor jobs](https://www.linkedin.com/jobs/adjunct-instructor-jobs?trk=organization_guest_linkster_link) + - [Document Manager jobs](https://www.linkedin.com/jobs/document-manager-jobs?trk=organization_guest_linkster_link) + - [Director of Diversity and Inclusion jobs](https://www.linkedin.com/jobs/director-of-diversity-and-inclusion-jobs?trk=organization_guest_linkster_link) + - [Adjunct jobs](https://www.linkedin.com/jobs/adjunct-jobs?trk=organization_guest_linkster_link) + - [Senior Recruitment Consultant jobs](https://www.linkedin.com/jobs/senior-recruitment-consultant-jobs?trk=organization_guest_linkster_link) + - [Career Coach jobs](https://www.linkedin.com/jobs/career-coach-jobs?trk=organization_guest_linkster_link) + - [Document Controller jobs](https://www.linkedin.com/jobs/document-controller-jobs?trk=organization_guest_linkster_link) + - [Chief Human Resources Officer jobs](https://www.linkedin.com/jobs/chief-human-resources-officer-jobs?trk=organization_guest_linkster_link) + - [Associate jobs](https://www.linkedin.com/jobs/associate-jobs?trk=organization_guest_linkster_link) + - [Manager jobs](https://www.linkedin.com/jobs/manager-jobs?trk=organization_guest_linkster_link) + - [Emergency Medical Technician jobs](https://www.linkedin.com/jobs/emergency-medical-technician-jobs?trk=organization_guest_linkster_link) + - [Sales Specialist jobs](https://www.linkedin.com/jobs/sales-specialist-jobs?trk=organization_guest_linkster_link) + - [Coordinator jobs](https://www.linkedin.com/jobs/coordinator-jobs?trk=organization_guest_linkster_link) + - [Strategic Advisor jobs](https://www.linkedin.com/jobs/strategic-advisor-jobs?trk=organization_guest_linkster_link) + - [Intern jobs](https://www.linkedin.com/jobs/intern-jobs?trk=organization_guest_linkster_link) diff --git a/chunks/txt/01d901239caad25769d49fda105c13f5f333ef2c0dd47aa050b3bb461b3b8e84.txt b/chunks/txt/01d901239caad25769d49fda105c13f5f333ef2c0dd47aa050b3bb461b3b8e84.txt new file mode 100644 index 0000000000000000000000000000000000000000..42b4d23547a186150869ad777a86f0033104a2ee --- /dev/null +++ b/chunks/txt/01d901239caad25769d49fda105c13f5f333ef2c0dd47aa050b3bb461b3b8e84.txt @@ -0,0 +1,55 @@ +▪ Display each feature on a separate row. + +▪ When the same feature has multiple defects, repeat the entire row. + +o Location - DefectItemLocationType (UID: 3900.0169, FID: 12.021) + +o Description - DefectItemDescription (UID: 3900.0167, FID: 12.022) + +o Affects Soundness or Structural Integrity - DefectItemAffectsSoundnessStructuralIntegrityIndicator (UID: 3900.0166, FID: + +12.023) + +Recommended Action - DefectItemRecommendedActionType (UID: 3900.0128, FID: 12.024) + +Figure 12 - 8 + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 12 - 9 + +Page 211 + +Outbuilding Commentary + +The Outbuilding Commentary subsection displays only when comments are provided. Any commentary must use +StructureValuationCommentText (UID: 0300.0096, FID: 12.026). + +Outbuilding Exhibits + +The Outbuilding Exhibits subsection displays only when images are provided. All text displays above the image in bold font. + +Appendix B-1: URAR Implementation Guide v1.3 + +Apparent Defects, Damages, Deficiencies + +• + +Images provided for Apparent Defects, Damages, Deficiencies (Outbuilding) are delivered in the IMAGE container located in the +instance of the DEFECT container that represent the given defect. + +• The text “Apparent Defects, Damages, Deficiencies –” precedes the Feature - DefectComponentLabelType (UID: 3900.0164, FID: + +12.020.1). (Figure 12 - 9 and Figure 12 - 10) + +• An additional caption may be provided using ImageCaptionCommentDescription (UID: 3900.0173, FID: 12.020.2) and displays above + +the image following the DefectComponentLabelType. + +Figure 12 - 10 + +Page 212 + +Additional Exhibits + +• Additional images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 12.026.1) = “OutbuildingExhibit”. diff --git a/chunks/txt/01da7126bf3b365ef2b4f67afb6fbb93e6f6ae4d1d3a233addc236d85ced7ca1.txt b/chunks/txt/01da7126bf3b365ef2b4f67afb6fbb93e6f6ae4d1d3a233addc236d85ced7ca1.txt new file mode 100644 index 0000000000000000000000000000000000000000..482c7fd6c12047dcd4a15e46a8749ab37aa49a75 --- /dev/null +++ b/chunks/txt/01da7126bf3b365ef2b4f67afb6fbb93e6f6ae4d1d3a233addc236d85ced7ca1.txt @@ -0,0 +1,78 @@ +Assignment Information Exhibits + +Page 103 + +The Assignment Information Exhibits subsection displays when images are provided. All text displays above the image in bold font. + +• Any images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 2.062.1) = “AssignmentExhibit”. +• +If provided, an image caption is included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 2.062.2). + +Assignment – Arcrole Relationships + +Arcrole relationships, establishes "relationships" or linkages in the XML data file that may be visually obvious on the URAR Report. In the +XML data, specific instances of data points or containers must be connected to properly represent the information. + +• Containers or datapoints to be linked are identified using "xlink:label.” +• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships. + +INSPECTION to ROLE Appraiser/AppraiserSupervisor Performing the Subject Property Inspection. + +Provide one RELATIONSHIP container for each appraiser-related role (provided in the data set) joining the INSPECTION container to the +PARTY container. + +Appraiser Role + +Unique ID + +Parent Container + +MISMO Attribute Name + +Supported Attribute Enumerations + +1400.0348 + +RELATIONSHIP + +@xlink:arcrole + +urn:fdc:mismo.org:2009:residential/INSPECTION_CompletedBy_ROLE + +1400.0349 + +RELATIONSHIP + +@xlink:from + +1400.0350 + +RELATIONSHIP + +@xlink:to + +2400.0286 + +INSPECTION + +@xlink:label + +2400.0045 + +ROLE + +@xlink:label + +INSPECTION_n + +ROLE_n + +INSPECTION_n + +ROLE_n + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 104 + +Appraiser Supervisor Role diff --git a/chunks/txt/01de76a08355c0ed6ec39b4a7ea6ce373d9670a1d0183c04afadde6e06bdfa44.txt b/chunks/txt/01de76a08355c0ed6ec39b4a7ea6ce373d9670a1d0183c04afadde6e06bdfa44.txt new file mode 100644 index 0000000000000000000000000000000000000000..9460ee9b8f24f8d7d2d6a5fafbeeaa5f2d867614 --- /dev/null +++ b/chunks/txt/01de76a08355c0ed6ec39b4a7ea6ce373d9670a1d0183c04afadde6e06bdfa44.txt @@ -0,0 +1,36 @@ +• + +Length of Asset Verification Report and Data Sent to DU: A lender may receive the full asset verification report +(including the entirety of the data provided to DU) or a shorter history (30- to 60-days), from their third-party +data provider. In any case, lenders are required to have access to the larger data set referenced to DU at the time +of origination. + +• Asset Verification Report Retention Requirements: Lenders are responsible for retaining the asset verification + +report containing all data provided to DU in the loan origination file or meeting alternative requirements +outlined in the Selling Guide for retaining access to the asset account data. + +• No Selective Application on Casefile Level: If a lender opts in to the capability, then DU will attempt to + +evaluate all casefiles referencing an asset verification report for income and employment validation. A lender +cannot selectively apply this feature on a casefile basis. + +© 2024 Fannie Mae + +2 of 4 + +• Activation Request: Lenders are required to request activation to enable income and employment validation + +from asset account data. The activation request form can be found here. + +Referencing Asset Report Data to DU + +Asset verification reports are referenced within the loan application submitted to DU as described within the DVS Reference +Guide. There are no changes that a lender needs to make when referencing these reports to achieve verification of income or +employment. + +DU Messages + +DU will return messages for each loan casefile where asset verification reports are referenced on the loan application and will +inform the lender when these reports are used to support validation. The following table outlines the new and modified DU +messages that may apply to income and employment validation when using an asset verification report. diff --git a/chunks/txt/01f3f4c0d17892c9938562c83e6b5849ea16b001f7a98e213e235ae42f3af9c9.txt b/chunks/txt/01f3f4c0d17892c9938562c83e6b5849ea16b001f7a98e213e235ae42f3af9c9.txt new file mode 100644 index 0000000000000000000000000000000000000000..df86afa20aee48a8f1764b2f21678b2767d1e276 --- /dev/null +++ b/chunks/txt/01f3f4c0d17892c9938562c83e6b5849ea16b001f7a98e213e235ae42f3af9c9.txt @@ -0,0 +1,52 @@ +allowable answers, and additional guidance. + +o Note: Allowable answers with complex definitions are in a separate table. + +Document Conventions + +The following fonts and colors are used in this document: +• Section names (black tabs) and subsections (gray bars, tables, or groupings of related information) are bold. +• Report Field ID: A red number identifies the specific location of the field on the Restricted Appraisal Update + +Report. + +o The number starts with the section number, as shown in Restricted Appraisal Update Report Section + +Organization. For example, fields displaying in the Original Appraisal section start with 02. + +o Not on Report indicates that the information is included in the data but does not display. +o Specific Report Field IDs for photos and images are not indicated in the Reference Guide. Refer to + +the iGuide or UAD Spec for more information. + +Appendix F-2: Appraisal Update Report Reference Guide + +Page 5 of 28 + +Version 1.3 + +Uniform Appraisal Dataset + +Overview + +• Green rows in tables in the Reference Guide represent information that is applicable only to FHA, VA, or + +USDA appraisals. + +• Field Names in the Reference Guide use business terminology and are in italics. + +o Field Names provide additional clarity to the Report Label, and express conditionality (“When to + +include”) in business terms. + +o Field Names in the Reference Guide are similar to, but not the same as, the MISMO Data Point + +Name in the iGuide and UAD Spec. + +Key Concepts + +Restricted Appraisal Update Report + +An appraisal update is a new assignment that requires the appraiser to review the market conditions and certify +that values have not decreased since the effective date of the original appraisal, which is incorporated by +reference. diff --git a/chunks/txt/01f44b7fe46a8c1d1f452e4bcfff3c18f17e489b25e1b3843a2677f2974232ba.txt b/chunks/txt/01f44b7fe46a8c1d1f452e4bcfff3c18f17e489b25e1b3843a2677f2974232ba.txt new file mode 100644 index 0000000000000000000000000000000000000000..7502dde70877a7d7333ae15744f08462142aa96b --- /dev/null +++ b/chunks/txt/01f44b7fe46a8c1d1f452e4bcfff3c18f17e489b25e1b3843a2677f2974232ba.txt @@ -0,0 +1,33 @@ +- **Innovative Mortgage Solutions** for today’s homebuyers +- **Clear, Consistent Pricing** in all markets at all times +- **Powerful Technology** and streamlined, value-driven servicing tools +- **Ease of Doing Business** without a pre-purchase review or fees +- **Fast Funding** available as soon as the same day loans are certified +- **Service and Support** offers the answers you need quickly +[Get started](/become-fannie-mae-seller-or-servicer) + +## Affordable Homeownership + +Fannie Mae is creating more options for more homebuyers by tackling [access to credit and housing affordability challenges](/originating-underwriting/affordable). We provide our customers a variety of innovative loan products to meet their borrower’s needs. + +## Creating Opportunities + +Since its inception in 2018, Fannie Mae has been a partner in the [Appraiser Development Initiative™](/appraiser-development-initiative-adi), attracting new entrants to the real estate appraisal field. + +### Featured Products + +##### RefiNow + +A refinance option that provides expanded eligibility, resulting in new opportunities for you and your borrowers. + +[Learn more **](/originating-underwriting/refinow-expanding-refinance-eligibility-qualifying-homeowners) + +##### HomeReady Mortgage + +HomeReady®’s innovative income flexibilities can help your customers qualify for an affordable mortgage with a down payment as low as 3%. + +[Learn more **](/originating-underwriting/mortgage-products/homeready-mortgage) + +##### HomeStyle Renovation + +Learn how the HomeStyle® Renovation financing option provides a convenient and flexible way for your customers, who are considering home improvements, to make repairs and renovations. diff --git a/chunks/txt/01fd6d89e67b041067dee4d74be9db27c06a4d3ddde010cf345590da82ecedf6.txt b/chunks/txt/01fd6d89e67b041067dee4d74be9db27c06a4d3ddde010cf345590da82ecedf6.txt new file mode 100644 index 0000000000000000000000000000000000000000..f5e878efe4c09b687d852239de19202673c3359e --- /dev/null +++ b/chunks/txt/01fd6d89e67b041067dee4d74be9db27c06a4d3ddde010cf345590da82ecedf6.txt @@ -0,0 +1,57 @@ +SB2-3-02, Special Property Eligibility and Underwriting +Considerations: Factory-Built Housing (12/10/2025) + +SB2-3-03, Special Property Eligibility and Underwriting +Considerations: Leasehold Estates (06/04/2025) + +B2-3-04, Special Property Eligibility Considerations +(12/10/2025) + +SB2-3-04, Special Property Eligibility Considerations +(12/10/2025) + +B2-3-05, Properties Affected by a Disaster +(09/03/2025) + +SB2-3-05, Properties Affected by a Disaster (09/03/2025) + +B3-3.1-08, Rental Income (10/08/2025) + +SB3-3.1-08, Rental Income (10/08/2025) + +B4-1.1-01, Definition of Market Value (06/04/2025) + +SB4-1.1-01, Definition of Market Value and Alternate +Opinion(s) of Value (06/04/2025) + +B4-1.1-02, Lender Responsibilities (09/03/2025) + +SB4-1.1-02, Lender Responsibilities (09/03/2025) + +B4-1.1-03, Appraiser Selection Criteria (06/04/2025) + +SB4-1.1-03, Appraiser Selection Criteria (06/04/2025) + +B4-1.1-04, Unacceptable Appraisal Practices +(06/04/2025) + +SB4-1.1-04, Unacceptable Appraisal Practices +(06/04/2025) + +B4-1.1-05, Disclosure of Information to Appraisers +(06/04/2025) + +SB4-1.1-05, Disclosure of Information to Appraisers +(06/04/2025) + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 6 of 166 + +UAD 3.6 Policy + +B4-1.1-06, Uniform Appraisal Dataset (UAD) and the +Uniform Collateral Data Portal (UCDP) (06/04/2025) + +SB4-1.1-06, Uniform Appraisal Dataset (UAD) and the +Uniform Collateral Data Portal (UCDP) (06/04/2025) diff --git a/chunks/txt/01fef86688a8f8184a3e9035c7dc96b859a89274f707ce77c3a7ccfd90981f88.txt b/chunks/txt/01fef86688a8f8184a3e9035c7dc96b859a89274f707ce77c3a7ccfd90981f88.txt new file mode 100644 index 0000000000000000000000000000000000000000..037e12efd7ae1164cd32fe6bc9790fb82c5b74b3 --- /dev/null +++ b/chunks/txt/01fef86688a8f8184a3e9035c7dc96b859a89274f707ce77c3a7ccfd90981f88.txt @@ -0,0 +1,39 @@ +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 72 of 166 + +UAD 3.6 Policy + +SB4-1.3-02, Subject Listing Information, Sales Contract, Prior Sale, and +Transfer History (06/04/2025) + +Introduction + +This topic contains information on reviewing the following parts of the appraisal report: + +Subject Property +Listing History +Sales Contract + +• +• +• +• Prior Sale and Transfer History – Subject +• Prior Sale and Transfer History – Comparable Sale + +Subject Property + +The appraiser must identify the subject property by its complete property address and legal description. The appraiser must enter +the physical property address, including the unit number for a condo, in a format that conforms to the United States Postal +Service (USPS) address standards in Publication 28 – Postal Addressing Standards (pub28) for complete addresses. Postal +address standards can be found at usps.com. The subject property address must be populated consistently throughout the +appraisal report. + +When the legal description is lengthy, the appraiser may type the full legal description or attach it as an image in the section. The +appraiser must also identify the property rights to be appraised. (For eligibility requirements, see SB2-3-01, General Property +Eligibility.) + +Fannie Mae's appraisal report requires the appraiser to research and identify whether the subject property is currently for sale or +if it has been offered for sale in the 12 months prior to the effective date of the appraisal. If the subject property is currently under +contract as part of a purchase, the appraiser must identify and provide the information for all data points within the sales +contract section of the URAR. diff --git a/chunks/txt/0229f70ccfca890bfb56349310f96461e3d2a0a297c620c68f2eb4e57094256e.txt b/chunks/txt/0229f70ccfca890bfb56349310f96461e3d2a0a297c620c68f2eb4e57094256e.txt new file mode 100644 index 0000000000000000000000000000000000000000..e5cb26a249b8d9132750b5ac201a5c5cb2e46104 --- /dev/null +++ b/chunks/txt/0229f70ccfca890bfb56349310f96461e3d2a0a297c620c68f2eb4e57094256e.txt @@ -0,0 +1,144 @@ +4.2.3 (2) | +20.6 + +Adjusts every n +years starting in +year n + +…/INTEREST_RATE_ +PER_CHANGE_ADJU +STMENT_RULES/INT +EREST_RATE_PER_C +HANGE_ADJUSTME +NT_RULE + +CeilingRatePercent 12.0000 + +CeilingRatePercentE +arliestEffectiveMont +hsCount + +168 + +FirstRateChangeMo +nthsCount + +60 + +AdjustmentRuleTyp +e + +First + +PerChangeRateAdju +stmentFrequencyM +onthsCount + +36 + +Represented as +“12%” on Loan +Terms table + +Represented as +“Year 15” on form + +Represented as +“Year 6” on Loan +Terms table + +Represented as +“starting in” Loan +Terms table + +Represented as +“every 3 years” on +Loan Terms table + +i. MAPPI NG GUIDANCE + +See V. Consolidated Mapping Guidance entry for Interest Rate Adjustment. + +b. TEMPORARY BUYDOWN LOANS + +4.0 Loan Terms + +4.0 + +Can this amount increase after closing? + +4.2 Interest Rate + +4.2.1 2.875% + +4.2.2 YES + +4.2.3 • Adjusts every year starting in year 2 +• Goes as high as 5.875% in year 4 +• See AIR Table on page 4 for details + +Figure 39. Temporary Buydown Loans + +The following table illustrates the data points that need to be supplied for a loan with a temporary buydown. + +Table 55. Loans with Temporary Buydowns + +ID +(bullet) + +4.2.3 (2) | +20.3 +(max) + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 +Data Point + +MISMO v3.3.0 +Value + +Notes + +Goes as high as +__% in year _#_ + +…/BUYDOWN_RUL +E + +NoteRatePercent + +5.8750 + +ROF as 5.875% + +Appendix E: UCD Implementation Guide + +Page 68 of 254 + +Version 1.4 + +Uniform Closing Dataset + +4.0 Loan Terms + +Table 55. Loans with Temporary Buydowns + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 +Data Point + +MISMO v3.3.0 +Value + +Notes + +Adjusts every year +starting in year 2 diff --git a/chunks/txt/0230b5fa87193ef7ba45c762b82f07cc608eea4084256b5f268883c3e81cfae9.txt b/chunks/txt/0230b5fa87193ef7ba45c762b82f07cc608eea4084256b5f268883c3e81cfae9.txt new file mode 100644 index 0000000000000000000000000000000000000000..eacd59f339ab002715cdc34c9b3d93bdd85c3e59 --- /dev/null +++ b/chunks/txt/0230b5fa87193ef7ba45c762b82f07cc608eea4084256b5f268883c3e81cfae9.txt @@ -0,0 +1,9 @@ +Appendix E: UCD Implementation Guide + +Page 3 of 254 + +Version 1.4 + +Uniform Closing Dataset + +Table of Contents diff --git a/chunks/txt/0236b322fda600d0b20b51aac9450fb06d063c2eb7be8591fe286cb3b9bbafb8.txt b/chunks/txt/0236b322fda600d0b20b51aac9450fb06d063c2eb7be8591fe286cb3b9bbafb8.txt new file mode 100644 index 0000000000000000000000000000000000000000..d7d67c8f891d6904f937540d096a6fa80ae3d773 --- /dev/null +++ b/chunks/txt/0236b322fda600d0b20b51aac9450fb06d063c2eb7be8591fe286cb3b9bbafb8.txt @@ -0,0 +1,35 @@ +Use the drop-down menus to submit comments on specific Duty to Serve requests for public comments, or to provide general input on the Duty to Serve program. You can also view previously submitted comments. + +#### Submit Your Own Input + +[Duty to Serve General Input](/public-input/duty-to-serve-general-input) + +#### View Previous Input + +[RFI on Proposed 2025-2027 DTS Plans](/public-input/rfi-on-proposed-2025-2027-dts-plans) + +[2023 DTS Proposed Modifications RFI](/public-input/2023-dts-proposed-modifications-rfi) + +[2023 DTS Listening Sessions Input](/public-input/2023-duty-to-serve-listening-sessions) + +[Fannie Mae LIHTC Modification RFI Input](/public-input/duty-to-serve-modification-request-fannie-mae-spring-2023) + +[Colonias Rulemaking Input](/regulation/federal-register?tab=comments) + +[View Archived Comments](/programs/duty-to-serve-resources#Developer-Materials) + +## Explore Duty to Serve + +[Image + +![dts program overview image](/sites/default/files/styles/large/public/2023-07/DTS-Program-Overview-Image-Feb-2022_2.png?itok=5rm-dx4-)](/sites/default/files/documents/Duty-to-Serve-Program-Overview-February-2022.pdf) + +Want to learn more about how the DTS program works? Learn about the underserved markets, process timeline, plan structure, statutory and regulatory activities, evaluation process, and more. + +[View Slideshow](/sites/default/files/documents/Duty-to-Serve-Program-Overview-February-2022.pdf) + +## Archive​​ + +There are many resources to help you better understand the Duty to Serve program, annual processes, markets, and plans. + +[Evaluation Guidance](/programs/duty-to-serve-resources#EvaluationGuidance) diff --git a/chunks/txt/0237016a63ddefb6bd07f41299a31cbf7ba55afee120237507b1dfd8a38ff2e5.txt b/chunks/txt/0237016a63ddefb6bd07f41299a31cbf7ba55afee120237507b1dfd8a38ff2e5.txt new file mode 100644 index 0000000000000000000000000000000000000000..9d30bac1eff457611d7752ee552794e36697df5d --- /dev/null +++ b/chunks/txt/0237016a63ddefb6bd07f41299a31cbf7ba55afee120237507b1dfd8a38ff2e5.txt @@ -0,0 +1,57 @@ +Instead of a UCD v2.0 Spec excerpt for these repetitive containers and data points, Figure 62 illustrates the concept of + +containment and repeating containers using the data points supporting the Other Costs table. + +UCD v2.0 Implementation Guide + +- 81 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 62. INTEGRATED_DISCLOSURE_SECTION_SUMMARY Containment Example. + +The XML snippet illustrates instances of INTEGRATED_DISCLOSURE_SECTION_SUMMARY required for a purchase for the + +Other Costs table and the Summaries of Transactions. + +Figure 63. XML Snippet-INTEGRATED_DISCLOSURE_SECTION_SUMMARIES-Other Costs Table. + + +… + + + + + + + + + + + + + + +750.00 + TaxesAndOtherGovernmentFees + + + + + + + + +337.00 + Prepaids + + + + + + + diff --git a/chunks/txt/0245b27b6acb713d02c9ac31a9ce38b3dd657fd9ce91e98ac9a7fbb7fcb4f332.txt b/chunks/txt/0245b27b6acb713d02c9ac31a9ce38b3dd657fd9ce91e98ac9a7fbb7fcb4f332.txt new file mode 100644 index 0000000000000000000000000000000000000000..7ba83ed9ecd5286218dedbbc411ca690691447db --- /dev/null +++ b/chunks/txt/0245b27b6acb713d02c9ac31a9ce38b3dd657fd9ce91e98ac9a7fbb7fcb4f332.txt @@ -0,0 +1,25 @@ +The quickest way to add a large amount of loan and commitment data to Loan Delivery is to import a +file. The Loan Delivery application supports the ability to import either uncompressed or compressed +files and is limited to a maximum number of 10,000 loans per file. Files can be compressed by +encoding the information using fewer bits in order to reduce its original size. File compression can be +achieved using WinZip® the Windows Zip (.zip format) utility, which is the only compression format +that Fannie Mae supports. The file compression could shrink the file size by 80–90 percent that will +help to reduce the file import waiting time. + +If the loan delivery XML file contains over 10,000 loans it will not be processed by Loan Delivery +and the system will generate the following error message: “Import file exceeds maximum +reasonable size.” This error message applies to either compressed or uncompressed files since +it is based on a maximum number of loans. + +Reducing the number of loans in the loan delivery XML file will help reduce the file size and prevent +receiving an error message. Submitting smaller files will be easier when reviewing error messages +as the Import Status Report or Package Edits information will be related to each individual file. +Fannie Mae does not recommend using splitting tool software since this may create problems with +the structure of the loan delivery XML file. + +5.9. Special Characters + +There are several reserved characters that cannot be included in the value of a data point unless they +are properly “escaped.” The following table shows common characters and corresponding character +encodings that must be properly escaped for the loan delivery XML file to be valid. (This table does not +contain a comprehensive list of all the reserved characters.) diff --git a/chunks/txt/02466cf40a6e84efe159726621ad29b45594bdb5c607f6a258492eb680e52b0c.txt b/chunks/txt/02466cf40a6e84efe159726621ad29b45594bdb5c607f6a258492eb680e52b0c.txt new file mode 100644 index 0000000000000000000000000000000000000000..37689e2f6fe6a952c685f89da424072e6e1f6737 --- /dev/null +++ b/chunks/txt/02466cf40a6e84efe159726621ad29b45594bdb5c607f6a258492eb680e52b0c.txt @@ -0,0 +1,5 @@ +Gross Rent Multiplier Comparables ......................................................................................................................................................................................... 320 + +Indicated Value by Income Approach ...................................................................................................................................................................................... 321 + +Income Approach Commentary ............................................................................................................................................................................................... 321 diff --git a/chunks/txt/024befd2b8d36782c002122234a291c6f7fb4dd05419f42a3eef58d721cf162d.txt b/chunks/txt/024befd2b8d36782c002122234a291c6f7fb4dd05419f42a3eef58d721cf162d.txt new file mode 100644 index 0000000000000000000000000000000000000000..b6832277024b9591c41060dfe4b1f523c3406325 --- /dev/null +++ b/chunks/txt/024befd2b8d36782c002122234a291c6f7fb4dd05419f42a3eef58d721cf162d.txt @@ -0,0 +1,81 @@ +SITE INFLUENCE TABLE + +• + +“Site Influence Commentary” sets as TXC-B x 45 picas (bold lead in to Myriad Pro Regular +text). + +Water Frontage with Private Access (H2) + +Left-hand side of page + +• + +“Total Linear Measurement” sets as TXR-B, TXR. + +Right-hand side of page + +• + +“Permanent Waterfront Feature” sets as TXR-B, TXR with “Right to Build” below TXR-I, TXR. + +Water Frontage table + +• Column heads “Frontage,” “Name,” “Waterfront Access Rights,” “Access Depth” — set as TCH + +in 4 equal width column table x 45 picas. + +• Content sets as TB (~45 characters max per line in each cell). + +WATER FRONTAGE TABLE + +• + +“Water Frontage Commentary” sets as TXC-B x 45 picas (bold lead in to Myriad Pro Regular +text). + +Appendix E: Report Style Guide + +Page 38 of 90 + +Version 1.4 + +View and Impact to Value/Marketability (H1) + +View table + +• Column heads: “View,” “Range of View,” “Impact” set as TCH in 3 equal width column table x + +45 picas. + +• + +If multiple Views, “(Primary)” sets with primary view. + +• Content sets as TB (~60 characters max per line in each cell). + +VIEW TABLE + +• “View Commentary” sets as TXC-B x 45 picas (bold lead in to Myriad Pro Regular text). + +Site Features and Impact to Value/Marketability (H1) + +Site Features table + +• Column heads: “Feature,” “Detail,” “Impact,” “Comment” set as TCH in 4 column table x 45 + +picas. + +• Columns 1 and 2: 11 picas 3 points wide (~45 characters max per line in each cell). + +• Column 3: + +5 picas wide (~20 characters max per line in each cell). + +• Column 4: + +17 picas 6 points wide (~70 characters max per line in each cell). + +• Content sets as TB. + +SITE FEATURES TABLE diff --git a/chunks/txt/0269a8c95b1b66879c0c5e5292d15f57e457a4bc31acf070588d3c734a7a57ef.txt b/chunks/txt/0269a8c95b1b66879c0c5e5292d15f57e457a4bc31acf070588d3c734a7a57ef.txt new file mode 100644 index 0000000000000000000000000000000000000000..b324b2a3da05ba0e59d55edc115726682a5e9db8 --- /dev/null +++ b/chunks/txt/0269a8c95b1b66879c0c5e5292d15f57e457a4bc31acf070588d3c734a7a57ef.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/dashboard/enterprise-multifamily-public-use-database" +date_accessed: "2026-01-27T18:10:56.157Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/02860846f7e3cf3b4fc371540d9de215dec72183a23d5d0a89f19c6347534232.txt b/chunks/txt/02860846f7e3cf3b4fc371540d9de215dec72183a23d5d0a89f19c6347534232.txt new file mode 100644 index 0000000000000000000000000000000000000000..222f13ce67b5c5b4630a99381e1249172080c820 --- /dev/null +++ b/chunks/txt/02860846f7e3cf3b4fc371540d9de215dec72183a23d5d0a89f19c6347534232.txt @@ -0,0 +1,61 @@ +o Change to form field name reference in Appendix I for GSE data points + +• General editing that did not change information is not noted + +o In Appendix I excerpts, changed column heading to “MISMO v3.3.0 Context” and + +reduced XPath length + +Changed Sections, Subsections or Tables are noted with “UPDATED” or “NEW” labels. +Changed text is highlighted in light yellow. + +• Revisions to align with Appendix I updates v1.3 and 1.4. + +• Major revisions for clarity, conciseness and accuracy based upon updates to UCD + +Specification since 7-17-2014 + +• Addition of the following subsections to each Section: + +o Closing Disclosure Types using the section +o A. Mapping Guidance – reorganized to be included, if applicable, under Appendix I + +excerpts. + +o For More Information—instead of footnotes throughout the text, this section + +provides the Reg references by Form Field ID for the section. + +• Intra-form cross referencing hyperlinks have been added throughout the document and + +are identified by blue underlined text + +June 30, 2015 + +1.1 + +• Integration of new data points added to the UCD dataset since initial publication of this + +document in July 2014 + +• Added section describing XML file payload structures +• Added section on GSE-Required data +• Added section on Split Disclosures + +July 15, 2014 + +1.0 + +• Initial version + +Appendix E: UCD Implementation Guide + +Page 2 of 254 + +Version 1.4 + +Uniform Closing Dataset + +Table of Contents + +TABLE OF CONTENTS diff --git a/chunks/txt/0287c219f71eec626c881393896b6a5fa613fa54137f0ecba3a4b9f9cb4cee21.txt b/chunks/txt/0287c219f71eec626c881393896b6a5fa613fa54137f0ecba3a4b9f9cb4cee21.txt new file mode 100644 index 0000000000000000000000000000000000000000..11ff1cb4d50ddaed539ef7f201373c4441d51e24 --- /dev/null +++ b/chunks/txt/0287c219f71eec626c881393896b6a5fa613fa54137f0ecba3a4b9f9cb4cee21.txt @@ -0,0 +1,113 @@ +D + +o Additional row for Amenities + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the URAR. + +The URAR sample scenario begins on the next page. + +This cover section, including Introduction and Key Characteristics, + +is not part of the URAR. + +Uniform Residential Appraisal Report + +171 COWBOY LN, ANYPLACE, TX 01234 + +SUMMARY + +Opinion of Market Value + +$785,000 + +Market Value Condition + +As Is + ++.5 li # + +only in + +Summary + +Effective Date of Appraisal +Assignment Reason +Borrower Name +Current Owner of Public Record +Listing Status + +05/01/2023 +Refinance +John Seller +John Seller +None + +Property Valuation Method +Appraiser Name + +Traditional Appraisal +John P. Appraiser + +Property Description + +Construction Method +Attachment Type + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Subject Site Owned in Common + +Site Built +Detached + +Overall Quality +Overall Condition + +Q4 +C3 + +Yes No +  +  +  +  +  + +Yes No +  + +This is where the Dwelling Front photo would display. + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised + +4 +0 +Fee Simple + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? + +Zoning Compliance + +Legal + +Apparent Defects, Damages, Deficiencies Requiring Action + +None + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 2 of 26 +Page 2 of 26 + +Property Valuation Method + +Traditional Appraisal diff --git a/chunks/txt/02a21d0edbe6a62e2ddb9304f05a4ab7e5b1ec813991712c320a2bb68bafee52.txt b/chunks/txt/02a21d0edbe6a62e2ddb9304f05a4ab7e5b1ec813991712c320a2bb68bafee52.txt new file mode 100644 index 0000000000000000000000000000000000000000..126fbd296d5a29278ff4fe9255812cdade3cf946 --- /dev/null +++ b/chunks/txt/02a21d0edbe6a62e2ddb9304f05a4ab7e5b1ec813991712c320a2bb68bafee52.txt @@ -0,0 +1,28 @@ +IN DICATORS / +EN UMERATIONS +(YES OR NO / +CHECKBOXES) + +IN TEREST RATE +ADJUSTMENT + +The Closing Disclosure requires several questions to be answered, “YES” or “NO ;” however, +the data points most often supporting these values are Boolean indicators requiring values of +“true” and “false”. Implementers will need to supply an acceptable value in the XML file, which +must then be represented as “YES” or “NO ” on the Closing Disclosure. +In the sections of the Loan Costs and Other Costs tables using the FEE structure, the value of +FeePaymentPaidOutsideOfClosingIndicator determines whether the associated fee was paid At +Closing (“false”) or Before Closing (“true”). +Another representation of data points ending in “Indicator” is a check mark in an appropriate +box. On the Closing Disclosure, check boxes usually appear in pairs to convey the basic +statements: “does” or “does not”. An Indicator with a value of “true” will be represented on +the form as a checked box next to “the feature does exist” statement and “false” will be +represented on the form as a checked box next to the “feature does not exist” statement. For +example: “Your loan  has a demand feature….” and “Your loan  does not have a demand +feature….” +In some instances, the presence of a specific enumerated value may be represented on the +Closing Disclosure as a checkbox. For example: Within the Estimated Taxes, Insurance & +Assessments section, the presence of the data point +ProjectedPaymentEstimatedTaxesInsuranceAssessmentComponentType = +“HomeownersInsurance” is represented on the form as “This estimate includes  +Homeowners Insurance.” diff --git a/chunks/txt/02a50a67adc0fd9783716be414774211174dbd2a9077a9b258461a51d7c44c43.txt b/chunks/txt/02a50a67adc0fd9783716be414774211174dbd2a9077a9b258461a51d7c44c43.txt new file mode 100644 index 0000000000000000000000000000000000000000..480ff5b6dfcb804ceb14cba6250de13ed2535bbe --- /dev/null +++ b/chunks/txt/02a50a67adc0fd9783716be414774211174dbd2a9077a9b258461a51d7c44c43.txt @@ -0,0 +1,52 @@ +The Indicated Value by Cost Approach subsection displays when the Cost Approach section is included. (Figure 25 - 1) + +• + +Indicated Value by Cost Approach - ValueIndicatedByCostApproachAmount (UID: 1300.0001, FID: 25.000) + +o Displays in the subsection header + +Calculated: Depreciated Cost of Dwellings + Depreciated Cost of Outbuildings + As-Is Value of Other Site Improvements + +Opinion of Site Value + +• Depreciated Cost of Dwellings - DepreciatedCostDwellingsTotalAmount (UID: 1100.0026, FID: 25.001) + +o Total depreciation for all dwellings + +▪ Calculated: Sum of ImprovementEstimatedTotalCostAmount (UID: 1100.0053, FID: 25.018) for all dwellings + +• Depreciated Cost of Outbuildings - DepreciatedCostOutbuildingsTotalAmount (UID: 1100.0027, FID: 25.002) + +o Total depreciation for all outbuildings + +Appendix B-1: URAR Implementation Guide v1.3 + +▪ Do not display when there are no outbuildings + +▪ Calculated: Sum of ImprovementEstimatedTotalCostAmount (UID: 1100.0084, FID: 25.036) for all outbuildings in the Cost + +Approach. + +• As Is Value of Site Improvements – SiteOtherImprovementsAsIsAmount (UID: 1100.0032, FID: 25.003) + +Page 327 + +o Deliver even if the value is zero + +• Opinion of Site Value - SiteEstimatedValueAmount (UID: 1100.0030, FID: 25.004) + +o Deliver even if the value is zero + +Figure 25 - 1 + +Depreciated Cost – Dwelling – [Structure Identifier] + +The Depreciated Cost – Dwelling subsection displays when CostApproachIndicator = "true". + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 328 + +Dwelling + +• When Dwellings Containing Units - DwellingCount (UID: 0100.0056, FID: 3.007) = 1 diff --git a/chunks/txt/02b03c13ece44407ce01d64a0bc2163bf520234cf5e3d8a0d4b5f99d745998cd.txt b/chunks/txt/02b03c13ece44407ce01d64a0bc2163bf520234cf5e3d8a0d4b5f99d745998cd.txt new file mode 100644 index 0000000000000000000000000000000000000000..d6e8b60fda0cd3bddfbdd0ad49489cf43dafc713 --- /dev/null +++ b/chunks/txt/02b03c13ece44407ce01d64a0bc2163bf520234cf5e3d8a0d4b5f99d745998cd.txt @@ -0,0 +1,333 @@ +OutdoorLiving + +0 + +Detached + +1 + +true + +1 + +C2 + +Q3 + +false + +true + +false + +false + +false + +2021-11-15 + +2022-01-28 + +247000 + +Sale + +None + +Concrete + +Other + +Highway + +PublicStreet + +false + +Topography + +Flat + +BusyRoadway + +20037 + +Full + +Residential + +NoZoning + +3026 Old West St + +Somecity + +12345 + +TN + +Driveway + +Concrete + +2 + +false + +400 + +Attached + +Garage + +2 + +0 + +ContractDate + +0 + +SiteSize + +0 + +NeighborhoodName + +0 + +Topography + +-15000 + +SiteInfluence + +10270 + +LivingUnitStandardFinishedAreaAboveGrade + +10000 + +OverallConditionRating + +-5000 + +OutdoorLivingAmenity + +0 + +VehicleStorage + +285270 + +SouthWest + +Most + +false + +false + +195 + +4 + +2 + +270 + +true + +Dwelling + +2020 + +false + +MultiWide + +1410 + +0 + +false + +3 + +2 + +0 + +C3 + +Q3 + +Metal plumbing fixtures + +FullyUpdated + +Energy Star appliances and wood cabinets + +Kitchen + +PartiallyUpdated + +Manufactured + +SiteBuilt + +Aluminum + +TypicalWearAndTear + +ExteriorWallsAndTrim + +CrawlSpace + +Foundation + +true + +TypicalWearAndTear + +Roof + +C3 + +Q3 + +1 + +Centralized + +Electric + +Other + +Heat Pump + +PropertyPhoto + +\\Images\MH2_Comp4.jpg + +image/jpeg + +92 + +285000 + +Pending + +25.165169 + +-51.328129 + +Southwest Lake Gardens + +Porch + +Deck + +OutdoorLiving + +0 + +Detached + +1 + +true + +1 + +C3 + +Q3 + +false + +true + +false + +false + +275000 + +2022-03-08 + +None + +Asphalt + +Local + +PublicStreet + +false + +Topography + +Sloping + +Residential + +Lake + +BodyOfWater + +13068 + +Full + +Residential + +Legal + +234183 Starmind Dr + +Somecity + +Alpine + +12345 + +TN + +1 + +25.165174 + +-51.328124 + +AssessorUnformattedIdentifier + +ERW 10149852 - 12 + +2021-04-15 + +32000 + +Sale + +12632 + +105853 Gao St + +Somecity + +Alpine + +12345 + +TN + +2 + +25.165175 + +-51.328123 + +AssessorUnformattedIdentifier + +ERW 13249582 - 12 diff --git a/chunks/txt/02b5a81ac668591344a3fb0e5d535b2d5d20d5d322a7f75711ff67150282db4c.txt b/chunks/txt/02b5a81ac668591344a3fb0e5d535b2d5d20d5d322a7f75711ff67150282db4c.txt new file mode 100644 index 0000000000000000000000000000000000000000..5d794bff28ca911ab85957061bcdc510256370f3 --- /dev/null +++ b/chunks/txt/02b5a81ac668591344a3fb0e5d535b2d5d20d5d322a7f75711ff67150282db4c.txt @@ -0,0 +1,5 @@ +Additional Comments Section ...................................................................................................................... 58 +Reconciliation Section .................................................................................................................................. 60 + +Appraiser Certification Section .................................................................................................................... 63 +Exhibit 1: Requirements – Condition and Quality Ratings Usage ............................................... 63 diff --git a/chunks/txt/02b657da08237c039a2a88683efe374e50d2f3ed8db2ffde917880fb09b0dbc3.txt b/chunks/txt/02b657da08237c039a2a88683efe374e50d2f3ed8db2ffde917880fb09b0dbc3.txt new file mode 100644 index 0000000000000000000000000000000000000000..08b12c2697b77546548487fbbfac7ae6fecb2228 --- /dev/null +++ b/chunks/txt/02b657da08237c039a2a88683efe374e50d2f3ed8db2ffde917880fb09b0dbc3.txt @@ -0,0 +1,111 @@ +The appraiser must identify the extent of their inspection scope of work, which determines which of three +predefined versions of Cert 10 displays. + +Appraiser Certifications: Cert 10 (Subject Property Inspection by Appraiser) + +Report +Field ID + +Report Label + +When to Include + +29.030 This is an + +Always required + +appraiser input +that does not +display + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Appraiser Subject Property Inspection +The inspection attestation included by the appraiser in the valuation +certifications for the assignment. Determines which predefined version of Cert +10 displays. +• +• +• + +Interior and Exterior +Exterior +No Inspection + +29.030 + +I personally +performed an +onsite … + +Predefined text that +displays when +Appraiser Subject +Property Inspection is +Interior and Exterior + +Appendix F-1: URAR Reference Guide + +Page 341 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +29 Certifications and Scope of Work + +Appraiser Certifications: Cert 10 (Subject Property Inspection by Appraiser) + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Report +Field ID + +29.030 + +I personally +performed an +inspection of the +exterior areas … + +29.030 + +I did not +personally +perform an +onsite … + +Predefined text that +displays when +Appraiser Subject +Property Inspection is +Exterior + +Predefined text that +displays when +Appraiser Subject +Property Inspection is +No Inspection + +Cert 21 (Significant Real Property Appraisal Assistance) + +The predefined text for Cert 21 varies depending on whether there is significant real property appraisal +assistance, as displayed in the Significant Real Property Appraisal Assistance subsection of Assignment +Information (2.047-2.052). diff --git a/chunks/txt/02b798f8c1f5385cb415ed78019296711e0e56513c651537ce77f376d3ade426.txt b/chunks/txt/02b798f8c1f5385cb415ed78019296711e0e56513c651537ce77f376d3ade426.txt new file mode 100644 index 0000000000000000000000000000000000000000..4ce1c13d200e25858dc15e4cb7c42026512ba232 --- /dev/null +++ b/chunks/txt/02b798f8c1f5385cb415ed78019296711e0e56513c651537ce77f376d3ade426.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/news/fact-sheet" +date_accessed: "2026-01-27T17:48:02.304Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/02d86e20d8c4e44963973ee80a13f37e037d8b7216e6f3b1cb573ec8cbdf8fe2.txt b/chunks/txt/02d86e20d8c4e44963973ee80a13f37e037d8b7216e6f3b1cb573ec8cbdf8fe2.txt new file mode 100644 index 0000000000000000000000000000000000000000..143dff71442fa5cc7c82c1a377f3488e7144f517 --- /dev/null +++ b/chunks/txt/02d86e20d8c4e44963973ee80a13f37e037d8b7216e6f3b1cb573ec8cbdf8fe2.txt @@ -0,0 +1,101 @@ +Appendix E: UCD Implementation Guide + +Page 110 of 254 + +Version 1.4 + +Uniform Closing Dataset + +7.0 Loan Costs Table + +7.0 LOAN COSTS TABLE + +As shown in Figure 76, the first half of the Closing Cost Details page contains the Loan Costs table. The Loan +Costs table reflects the costs related to credit and underwriting approval and required property-related fees. + +Lo a n C o s ts + +7.0 + +Borrower-Paid + +Seller-Paid + +At Closing + +Before Closing + +At Closing + +Before Closing + +Paid by +Others + +7.1 A. Origination Charges + +7.1.1 $1,802.00 + +01 7.2.1 0.25% of Loan Amount 7.2 (Points) + +7.2.2 + +$405.00 7.2.3 + +7.2.4 + +7.2.5 + +7.2.6 + +7.4 B. Services Borrower Did Not Shop For + +7.4.1 $236.55 + +01 7.5 Appraisal Fee 7.5.1 to John Smith Appraisers + +7.5.2 + +7.5.3 + +7.5.4 + +7.5.5 + +7.5.6 $405.00 + +7.6 C. Services Borrower Did Shop For + +7.6.1 $2,655.50 + +01 7.7Pest Inspection Fee 7.7.1 + +to Pests Co. + +7.7.2 + +$120.50 7.7.3 + +7.7.4 + +7.7.5 + +7.7.6 + +7.8 D. TOTAL LOAN COSTS (Borrower-Paid) + +7.8.1 $4,694.05 + +7.9 Loan Cost Subtotals (A + B + C) + +7.9.2 $4,664.25 7.9.3 + +$29.80 + +Figure 76. Loan Costs Table + +A. CATEGORY AND SUBCATEGORY DATA + +Table 94 illustrates that multiple instances of INTEGRATED_DISCLOSURE_SECTION_SUMMARY identify and +convey headings, totals and subtotals for the Loan Costs table. The data points supporting the line items for +each subcategory come from the body of the MISMO Reference Model. diff --git a/chunks/txt/02e9e178b3fe1153d8bdf502c554ce27272c8294b081e56b2afdc5fa5308d977.txt b/chunks/txt/02e9e178b3fe1153d8bdf502c554ce27272c8294b081e56b2afdc5fa5308d977.txt new file mode 100644 index 0000000000000000000000000000000000000000..6b590b9ef47a99b7d5b8a1a46672ae0e69cb2e8d --- /dev/null +++ b/chunks/txt/02e9e178b3fe1153d8bdf502c554ce27272c8294b081e56b2afdc5fa5308d977.txt @@ -0,0 +1,22 @@ +## [FHFA House Price Index® Up 0.4 Percent in October; Up 1.7 Percent from Last Year](/news/news-release/fhfa-house-price-index-up-0.4-percent-in-october-up-1.7-percent-from-last-year) + +Washington, D.C. – U.S. house prices rose 0.4 percent in October, according to the U.S. Federal Housing (FHFA) seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 1.7 percent from October 2024 to October 2025. The previously reported 0.0 percent price change in September was... + - News Release + +December 23, 2025 + +## [Fannie and Freddie Empowered to Support Middle-Class Homeownership](/news/news-release/fannie-and-freddie-empowered-to-support-middle-class-homeownership) + +Washington, D.C. – Today U.S. Federal Housing issued a final rule that establishes new, better affordable housing goals for Fannie Mae and Freddie Mac. Thanks to this fix, Fannie and Freddie will continue to fully support mortgages for families from every walk of life. “For too long, Biden distorted... + - News Release + +December 10, 2025 + +## [Mortgage Applications Up, Spreads Down!](/news/news-release/mortgage-applications-up-spreads-down) + +Washington, D.C. – President Trump is delivering for the American people: mortgage applications have risen to a three-year high as families return to the housing market, and spreads between mortgages and Treasuries continue to compress, improving mortgage rates and demonstrating the faith that the... + - News Release + +December 9, 2025 + +## [Federal Housing Finance Agency Announces Deemed-Issuance Ratio for 2026](/news/news-release/federal-housing-finance-agency-announces-deemed-issuance-ratio-for-2026) diff --git a/chunks/txt/02ee55e4f1d538bbec77e73eb33b969d744a17840a6a00259c766740692da350.txt b/chunks/txt/02ee55e4f1d538bbec77e73eb33b969d744a17840a6a00259c766740692da350.txt new file mode 100644 index 0000000000000000000000000000000000000000..417cd1917b0fd79b46ade194d8522ddaa30f279f --- /dev/null +++ b/chunks/txt/02ee55e4f1d538bbec77e73eb33b969d744a17840a6a00259c766740692da350.txt @@ -0,0 +1,157 @@ +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 18 of 29 +Page 18 of 29 + +Sales Comparison Approach (continued) + +Sales Comparison Map + +This is where the Sales Comparable Map photo would display. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 19 of 29 +Page 19 of 29 + +Sales Comparison Approach (continued) + +Sales Comparison Approach Exhibits + +Comparable #1 + +Comparable #2 + +This is where the Comparable 1 photo would display. + +This is where the Comparable 2 photo would display. + +Comparable #3 + +This is where the Comparable 3 photo would display. + +Rental Information + +Rent Schedule + +Subject Property Rental Information + +Currently +Rented +Yes + +Occupancy +Tenant + +Monthly +Rent +$875 + +Month-to- +Month +Yes + +Lease Start + +No + +Owner + +$0 + +Rent +Control +No + +No + +Unit 1 + +Unit 2 + +Rental +Concessions +No + +Utilities/ +Services +Included +No + +Furnished +No + +Actual Income (Monthly) + +Opinion of Market Income (Monthly) + +Rent + +Unit 1 + +Unit 2 + +Subtotal + +Other Real Property Rental Income + +None + +Subtotal + +$875 + +$0 + +$875 + +$0 + +$0 + +Total + +$875 + +Rent + +Unit 1 + +Unit 2 + +$875 + +$925 + +Subtotal + +$1,800 + +Other Real Property Rental Income + +None + +Subtotal + +$0 + +$0 + +Total + +$1,800 + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 20 of 29 +Page 20 of 29 + +Rental Information (continued) + +Comparable Rental Properties diff --git a/chunks/txt/02f00e47ab5715608c11cbd605c8a47658c71d536957ad5b70ad40f657b7bb0e.txt b/chunks/txt/02f00e47ab5715608c11cbd605c8a47658c71d536957ad5b70ad40f657b7bb0e.txt new file mode 100644 index 0000000000000000000000000000000000000000..34e4721b4d0a760c46970dd2178ea8a7ceb7119c --- /dev/null +++ b/chunks/txt/02f00e47ab5715608c11cbd605c8a47658c71d536957ad5b70ad40f657b7bb0e.txt @@ -0,0 +1,13 @@ +Release Support + +The DU Version 11.1 Aug. Update will be implemented in the DU integration environment on or around July 26, 2023. + +Added July 14, 2023: Test cases will be published on the integration site on or around July 28, 2023, for the following changes: +▪ DO submissions through Preliminary Findings using a verification report. +▪ New Duty to Serve message. + +If you have questions about the integration impact or if you require support specific to this release, contact your Technology +Integration Analyst or Integration Support. For more information about DU, visit the DU page or contact your Fannie Mae +representative. + +© 2023 Fannie Mae 7.14.23 1 of 1 diff --git a/chunks/txt/0303e5a026938be575b682d5c76d390c1d504877d6d3d9b5efc42a2a7bd01c02.txt b/chunks/txt/0303e5a026938be575b682d5c76d390c1d504877d6d3d9b5efc42a2a7bd01c02.txt new file mode 100644 index 0000000000000000000000000000000000000000..e8e738206233010f0655ee147a84688a834ea163 --- /dev/null +++ b/chunks/txt/0303e5a026938be575b682d5c76d390c1d504877d6d3d9b5efc42a2a7bd01c02.txt @@ -0,0 +1,37 @@ +## Working Papers + +[WP 13-2: Generating Historically-Based Stress Scenarios Using Parsimonious Factorization](/research/papers/wp1302) + +[WP 15-3: Additional Market Risk Shocks: Prepayment Uncertainty and Option-Adjusted Spreads](/research/papers/wp1503) + +*Page last updated: 7/17/2023* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) diff --git a/chunks/txt/030765d8562ae75f256a7aba2f96efe175592a4d29c38042ccb44e9355b97314.txt b/chunks/txt/030765d8562ae75f256a7aba2f96efe175592a4d29c38042ccb44e9355b97314.txt new file mode 100644 index 0000000000000000000000000000000000000000..ddcb0cdc41b2ab6d449fd52f898ff327044c9fcf --- /dev/null +++ b/chunks/txt/030765d8562ae75f256a7aba2f96efe175592a4d29c38042ccb44e9355b97314.txt @@ -0,0 +1,83 @@ +The Quality and Condition subsection displays when ImprovementType (UID: 0300.0009, FID: Not on report) = "Dwelling" AND +HomeownerResponsibleForExteriorMaintenanceIndicator (UID: 0100.0046, FID: 3.016) = "true". + +The following fields must display: + +• Exterior Quality Rating – ExteriorQualityRatingCode (UID: 1600.0005, FID: 8.022) + +Appendix B-1: URAR Implementation Guide v1.3 + +• Exterior Condition Rating – ExteriorConditionRatingCode (UID: 1600.0004, FID: 8.023) + +When HomeownerResponsibleForExteriorMaintenanceIndicator (UID: 0100.0046, FID: 3.016) = "false”, this subsection does not display. + +Page 159 + +Exterior Features + +The exterior features table displays when the Exterior Quality and Condition subsection is included. The text, “The table below supports the +Exterior Quality and Condition ratings and reflects the market value condition of this report” displays above the table in italics. + +Report Label + +Unique ID MISMO Data Point Name + +Display Rules + +Dwelling Exterior: Quality and Condition - Exterior Features + +Feature: Exterior +Walls and Trim + +0300.0055 + +ImprovementComponentType + +Display when ImprovementComponentType = "ExteriorWallsAndTrim" … + +Report +Field ID + +8.041 + +8.025 + +Detail + +0300.0098 WallMaterialType + +− Display all Wall Material(s) in the same cell separated by “|” + +8.026 + +Quality Comment + +0300.0075 + +ImprovementComponentQualityDescription + +... AND Exists + +8.027 + +Condition Status + +0300.0054 + +ImprovementComponentConditionStatusType + +Always displays + +8.028 + +Condition Comment + +0300.0100 + +ImprovementComponentConditionDescription + +… AND Exists + +8.041 + +Feature: Foundation diff --git a/chunks/txt/0322fd34815c17be3198b8ae20b154bb544992db525ede4fd228bf80bf1b9ec3.txt b/chunks/txt/0322fd34815c17be3198b8ae20b154bb544992db525ede4fd228bf80bf1b9ec3.txt new file mode 100644 index 0000000000000000000000000000000000000000..a5a17c2852ed8147ee442264434b59a822eab110 --- /dev/null +++ b/chunks/txt/0322fd34815c17be3198b8ae20b154bb544992db525ede4fd228bf80bf1b9ec3.txt @@ -0,0 +1,66 @@ +Disaster Mitigation Exhibits + +All photos or images related to the Disaster Mitigation section are displayed in the Disaster Mitigation Exhibits +subsection. If there are no photos or images, this subsection does not display. + +Disaster Mitigation Exhibits + +Report +Field ID + +See +iGuide + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Disaster +Mitigation +Exhibits + +If applicable + +Photos or images + +Photos or images relevant to the Disaster Mitigation section may be provided, +which display in Disaster Mitigation Exhibits. A caption must be provided to +further describe the photo or image. + +Appendix F-1: URAR Reference Guide + +Page 86 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +06 Energy Efficient and Green Features + +06 Energy Efficient and Green Features + +The Energy Efficient and Green Features section provides information about the following, and their impacts to +value and / or marketability. +• Renewable energy components, such as solar panels +• Building certifications, such as Leadership in Energy and Environmental Design (LEED), and National Green + +Building Standard (NGBS Green™) + +• Green efficiency ratings, such as HERS® and WaterSense + +This section provides space for additional commentary and exhibits, such as photos of components or images of +rating certifications. + +If there are no known renewable energy components, building certifications, or efficiency ratings, the Energy +Efficient and Green Features section does not display. + +Renewable Energy Components + +Energy Efficient and Green Features: Renewable Energy Components + +Report Label diff --git a/chunks/txt/032accc0295704e97e91f3064cca1be5f1362520d9a10971212c49ca7abb844e.txt b/chunks/txt/032accc0295704e97e91f3064cca1be5f1362520d9a10971212c49ca7abb844e.txt new file mode 100644 index 0000000000000000000000000000000000000000..6f8a59aa1638e4d9fa4b66f15b2df13104d570d9 --- /dev/null +++ b/chunks/txt/032accc0295704e97e91f3064cca1be5f1362520d9a10971212c49ca7abb844e.txt @@ -0,0 +1,39 @@ +Desktop Underwriter/Desktop Originator Integration Impact Memo +Cloud Migration + +Jan. 22, 2025 + +In 2024, Fannie Mae successfully transitioned Desktop Underwriter® (DU®) from an on-premises to a cloud infrastructure. Building +on this success, we are preparing to migrate Desktop Originator® (DO®) to the cloud in the production environment. This strategic +move will enhance our agility, scalability and overall operational efficiency. + +Key Information: + +• + +• + +The changes in this update will apply to new loan casefiles submitted to DO during or after the weekend of +March 15, 2025. + +Existing casefiles created before the weekend of March 15 will remain on-premises and can be resubmitted as normal. + +• No action is needed from DO end users. The transition will take place behind the scenes as a back-end operational + +release. + +How will this affect my integrated system(s)? + +To ensure a seamless transition and prevent any impacts to your direct integration and third-party originator (TPO) solutions, we +recommend testing your DO integrated solution(s) and TPO workflow to confirm they operate normally. + +Integrated solutions that support import of a DU Spec. MISMO 3.4 file will need to complete testing prior to the production date. + +Release Support + +On or about Feb. 1, this update will be available to test in the DU integration environment, and test cases will be published in the +DU section of the Technology Integration Resources webpage. + +If you have questions about the integration impact or if you require support specific to this release, contact your Technology +Integration Analyst or Integration Support. For more information about DU, visit the website or contact your Fannie Mae +representative. diff --git a/chunks/txt/03331ce8c0fc80b9a4260c89dbc4f0d2d052540b1697868cb39aee0767a75fdd.txt b/chunks/txt/03331ce8c0fc80b9a4260c89dbc4f0d2d052540b1697868cb39aee0767a75fdd.txt new file mode 100644 index 0000000000000000000000000000000000000000..fa20599abc22f3f113ab43978fc937f205a0c960 --- /dev/null +++ b/chunks/txt/03331ce8c0fc80b9a4260c89dbc4f0d2d052540b1697868cb39aee0767a75fdd.txt @@ -0,0 +1,76 @@ +34196 + +Federal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices + +all subject internal accounts within 48 +hours after appointment of the FDIC as +receiver; provide annually, data +regarding the number of and amount of +deposits held in such covered internal +accounts; provide a final copy of the +documentation that describes the +processes put in place to obtain +beneficial ownership information +necessary to make an insurance +determination within 48 hours of failure +for the internal accounts; make +reasonable efforts, in the ordinary +course of upgrading its information +technology systems, to implement an +information technology solution that +would permit a deposit insurance +determination for the excepted accounts +within 24 hours; and immediately bring +to the FDIC’s attention any change of +circumstances or conditions. + +Federal Deposit Insurance Corporation. + +Dated at Washington, DC, on May 29, 2020. + +Robert E. Feldman, +Executive Secretary. +[FR Doc. 2020–11987 Filed 6–2–20; 8:45 am] + +BILLING CODE 6714–01–P + +FEDERAL HOUSING FINANCE +AGENCY + +[No. 2020–N–11] + +Notice of Order: Revisions to Data +Requirements for Enterprise Public +Use Database To Include New Home +Mortgage Disclosure Act Data +Elements + +AGENCY: Federal Housing Finance +Agency. +ACTION: Notice of order. + +SUMMARY: An Order issued by the +Federal Housing Finance Agency +(FHFA) on May 27, 2020 revises data +requirements for the Enterprise Public +Use Database (PUDB) and modifies +FHFA’s previous Enterprise PUDB +Orders issued in 2010 and 2011. The +Enterprise PUDB contains data related +to single-family and multifamily +mortgages purchased by the Federal +National Mortgage Association (Fannie +Mae) and the Federal Home Loan +Mortgage Corporation (Freddie Mac) +(collectively, the Enterprises) in a +calendar year. FHFA publishes the +PUDB annually pursuant to the +requirements of the Federal Housing +Enterprises Financial Safety and +Soundness Act of 1992 (Safety and +Soundness Act). The Order revises the +PUDB to include data elements that the +Enterprises collected in 2018 from their +loan sellers that are the same as those +required to be reported under the Home +Mortgage Disclosure Act of 1975 diff --git a/chunks/txt/033e3972884afe187e87606ba940f7b762cf62a7719e6541992514032e0488a5.txt b/chunks/txt/033e3972884afe187e87606ba940f7b762cf62a7719e6541992514032e0488a5.txt new file mode 100644 index 0000000000000000000000000000000000000000..d2f476eb66a6e451115e0d3ab33e8f15fab547a3 --- /dev/null +++ b/chunks/txt/033e3972884afe187e87606ba940f7b762cf62a7719e6541992514032e0488a5.txt @@ -0,0 +1,69 @@ +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/SALE_PRICE_ADJUSTMENT[@_Type='Loc +ation']/@_Amount +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/SALE_PRICE_ADJUSTMENT[@_Type='Pro +pertyRights']/@_Description +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/SALE_PRICE_ADJUSTMENT[@_Type='Pro +pertyRights']/@_Amount + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +The allowable values are listed below. When representing these values in the +XML file, they must be shown exactly as they appear below: + +10 + +Enumerated + +Allowable Values PDF Display +Neutral N +Beneficial B +Adverse A + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +The allowable values are listed below. When representing these values in the +XML file, they must be shown exactly as they appear below: + +20 + +Enumerated + +Allowable Values PDF Display +Residential Res +Industrial Ind +Commercial Comm +BusyRoad BsyRd +WaterFront WtrFr +GolfCourse GlfCse +AdjacentToPark AdjPrk +AdjacentToPowerLines AdjPwr +Landfill Lndfl +PublicTransportation PubTrn +Other * + +*See field e-16 directly below. + +20 + +String + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +If a location factor not on the list materially affects the value of the property, +the appraiser must select 'Other' and enter a description of the location +associated with the property. Free-form descriptions should be entered +carefully because data will be truncated on the appraisal report form if it +exceeds available space for that field. diff --git a/chunks/txt/033ffa184713e38bdc73aa78a4cbb1e11f8ce824bbefbff8ff55d2d7eaa5c135.txt b/chunks/txt/033ffa184713e38bdc73aa78a4cbb1e11f8ce824bbefbff8ff55d2d7eaa5c135.txt new file mode 100644 index 0000000000000000000000000000000000000000..d35c4bc279ba94690a0dced6ea7c0cb4b9e27306 --- /dev/null +++ b/chunks/txt/033ffa184713e38bdc73aa78a4cbb1e11f8ce824bbefbff8ff55d2d7eaa5c135.txt @@ -0,0 +1,58 @@ +20.4 and 20.6 INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE qualified by a value of “First” for +AdjustmentRuleType, provides the data points used to represent the rate cap in place for the first adjustment +period (when the rate adjusts for the first time). AdjustmentRuleType = “First” and + +Appendix E: UCD Implementation Guide + +Page 214 of 254 + +Version 1.4 + +Uniform Closing Dataset + +20.0 Adjustable Interest Rate (AIR) Table + +“PerChangeRateAdjustmentFrequencyMonthsCount” support values disclosed in both the Loan Terms and AIR +Tables, but appear in the XML file only once. + +20.5 and 20.7 The second instance of INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE is qualified by +AdjustmentRuleType = “Subsequent” and represents the rate cap in place for the second and all subsequent +adjustment periods, as well as the number of months between changes after the first adjustment. + +20. 1 – 20. 7 TEMPORARY BUYDOWN SUBSI DY LOAN + +When the interest rate on the loan adjusts because the rate was bought down for a pre-determined period, the +loan has a temporary buydown subsidy, which is disclosed in the AIR table like a Step Rate loan. For example: +30-year Fixed Rate | Temporary Buydown Subsidy 3-2-1 | (Rate increases by 1% every year for 3 years then +remains fixed thereafter). + +Adjustable Interest Rate (AIR) Table + +Number of Adjustments + +Initial Interest Rate + +Minimum/Maximum Interest Rate + +20.0 + +20.1 3 + +20.2 2.875% + +20.3 2.875% Min/5.875% +Max + +Change Frequency + +First Change + +20.4 Beginning of 13th month + +Subsequent Change + +20.5 Every 12 months after first change + +Limits on Interest Rate Changes + +First Change diff --git a/chunks/txt/034e41a1d4c6df09e279f57f55bc4177cb4c15e7c0eb91e4ad02f592000934ec.txt b/chunks/txt/034e41a1d4c6df09e279f57f55bc4177cb4c15e7c0eb91e4ad02f592000934ec.txt new file mode 100644 index 0000000000000000000000000000000000000000..9e7cab22f512bea50208d52ab2c740b8e0c09a14 --- /dev/null +++ b/chunks/txt/034e41a1d4c6df09e279f57f55bc4177cb4c15e7c0eb91e4ad02f592000934ec.txt @@ -0,0 +1,34 @@ +[FHFA Releases U.S. Mortgage Statistics from the National Mortgage Database](/news/news-release/fhfa-releases-u.s.-mortgage-statistics-from-the-national-mortgage-database) (12/12/2018) + +[FHFA and CFPB Partner on Development of National Mortgage Database](/news/news-release/fhfa-and-cfpb-partner-on-development-of-national-mortgage-database) (11/1/2012) + +**Other Data** + +[NSMO Public Use File](/node/17641) (7/1/2023) + +**Technical Documentation** + +[NMDB](/document/NMDB-Technical-Documentation.pdf)® (12/28/2022) + +**FHFA ​Stats Blog** + +[Recent Changes in Mortgage-Related Housing Consumption Costs: Evidence from the National Mortgage Database](/blog/statistics/recent-changes-in-mortgage-related-housing-consumption-costs-evidence-from-the-national-mortgage) (7/16/2024) + +[Homeowners' Equity Remains High](/blog/statistics/homeowners-equity-remains-high) (8/31/2023) + +[What Types of Mortgages Do Fannie Mae and Freddie Mac Acquire?](/blog/statistics/what-types-of-mortgages-do-fannie-mae-and-freddie-mac-acquire) (4/14/2021) + +[Mortgage Performance During the COVID-19 Pandemic](/blog/statistics/mortgage-performance-during-the-covid-19-pandemic) (2/2/2021) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) diff --git a/chunks/txt/03539ea4214598db87fba9091c9b757a11b0c03595868a1544d91824c980956f.txt b/chunks/txt/03539ea4214598db87fba9091c9b757a11b0c03595868a1544d91824c980956f.txt new file mode 100644 index 0000000000000000000000000000000000000000..d0cd68bd41cb5b4d72b0c748ad1185ba6a230545 --- /dev/null +++ b/chunks/txt/03539ea4214598db87fba9091c9b757a11b0c03595868a1544d91824c980956f.txt @@ -0,0 +1,59 @@ +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. The print +reference placement on Appendix C is not required and is for illustrative +purposes only. +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. The print +reference placement on Appendix C is not required and is for illustrative +purposes only. + +String + +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. + +String + +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. The print +reference placement on Appendix C is not required and is for illustrative +purposes only. + +This field may not exist in all forms vendor +software. + +If both field 3-42 (Project Developer Controls +Project Management Indicator = 'Y') and one +of fields 1-132, 1-133 (Attachment Type = +'Attached' or 'SemiDetached') are indicated +then one and only one of fields 3-59, 3-60 +(values of Project Common Elements +Completed Indicator) should be indicated. + +This field should be populated if field 3-60 +(Project Common Elements Completed +Indicator = 'N') is indicated. + +If both field 3-42 (Project Developer Controls +Project Management Indicator = 'Y') and one +of fields 1-132, 1-133 (Attachment Type = +'Attached' or 'SemiDetached') are indicated +then one and only one of fields 3-62, 3-63 +(values of Project Common Elements Leased +Indicator) should be indicated. +If both field 3-42 (Project Developer Controls +Project Management Indicator = 'Y') and one +of fields 1-132, 1-133 (Attachment Type = +'Attached' or 'SemiDetached') are indicated +then one and only one of fields 3-62, 3-63 +(values of Project Common Elements Leased +Indicator) should be indicated. +This field should be populated if field 3-62 +(Project Common Elements Leased Indicator = +'Y') is indicated. This is a free text field which +should describe the rental terms and options. +This field should be populated if field 3-42 +(Project Developer Controls Project +Management Indicator = 'Y') and one of fields +1-132, 1-133 (Attachment Type = 'Attached' +or 'SemiDetached') are indicated. diff --git a/chunks/txt/0367864f546e707c3e763bda93089caaec3beb974935699fa25726890e5d5628.txt b/chunks/txt/0367864f546e707c3e763bda93089caaec3beb974935699fa25726890e5d5628.txt new file mode 100644 index 0000000000000000000000000000000000000000..4524404ac5f683eb3f6890e83d92cd09a4b22766 --- /dev/null +++ b/chunks/txt/0367864f546e707c3e763bda93089caaec3beb974935699fa25726890e5d5628.txt @@ -0,0 +1,21 @@ +var divElement = document.getElementById('viz1725907401077'); var vizElement = divElement.getElementsByTagName('object')[0]; if ( divElement.offsetWidth > 800 ) { vizElement.style.width='1135px';vizElement.style.height='702px';} else if ( divElement.offsetWidth > 500 ) { vizElement.style.width='1135px';vizElement.style.height='702px';} else { vizElement.style.width='100%';vizElement.style.height='5227px';} var scriptElement = document.createElement('script'); scriptElement.src = 'https://public.tableau.com/javascripts/api/viz_v1.js'; vizElement.parentNode.insertBefore(scriptElement, vizElement); [Mortgage Loan and Natural Disaster Dashboard Instructions and FAQs](/faqs/mortgage-loan-and-natural-disaster) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/03a8ee2b4d59b4a341b529fff3bfb6d2d0289ebcf9ad320d4712c6be9294add7.txt b/chunks/txt/03a8ee2b4d59b4a341b529fff3bfb6d2d0289ebcf9ad320d4712c6be9294add7.txt new file mode 100644 index 0000000000000000000000000000000000000000..af18194d2a113683db9c2b756adab210946cfaf9 --- /dev/null +++ b/chunks/txt/03a8ee2b4d59b4a341b529fff3bfb6d2d0289ebcf9ad320d4712c6be9294add7.txt @@ -0,0 +1,8 @@ +--- +source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program" +date_accessed: "2026-01-27T17:46:01.962Z" +--- + +[Skip to main content](#main-content) + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav diff --git a/chunks/txt/03b0c24668482a799041e869e80012f3c7ca501b22f8088f10c69af4dc57b69e.txt b/chunks/txt/03b0c24668482a799041e869e80012f3c7ca501b22f8088f10c69af4dc57b69e.txt new file mode 100644 index 0000000000000000000000000000000000000000..9987d72a7b194a65ac02c69a51c56df35b6137ec --- /dev/null +++ b/chunks/txt/03b0c24668482a799041e869e80012f3c7ca501b22f8088f10c69af4dc57b69e.txt @@ -0,0 +1,118 @@ +30 + +30 + +30 + +30 + +PDF Display: +UAD Version 9/2011 + +String + +The latitude of the subject property + +String + +The longitude of the subject property + +String + +The latitude of the comparable property + +String + +The longitude of the comparable property + +524 + +3 + +227 + +ADDITIONAL +COMMENTS + +Appraisal Assignment +Type +Subject Property Data +Collection Date +Subject Property Data +Collection Method +Subject Property Data +Collection Workforce + +AppraisalReportCont +entName + +Indicates the name or title of an +appraisal report form or addendum. +(e.g., Extra Comparable 4-5-6). + +/VALUATION_RESPONSE/REPORT/FORM/ +@AppraisalReportContentName + +150 + +String + +525 + +N/A + +N/A + +N/A + +N/A + +AppraisalReportCont +entIsPrimaryFormInd +icator + +Indicates whether appraisal form is +the primary form in the report. + +/VALUATION_RESPONSE/REPORT/FORM/ +@AppraisalReportContentIsPrimaryFormIndicat +or + +1 + +Boolean + +UAD Requirement - Refer to "Desktop & Hybrid Reference Tab" +worksheet in Appendix B + +The field captures the enumerated concatenated values for Desktop and +Hybrid Appraisals. + +UAD Requirement - Refer to "Desktop & Hybrid Reference Tab" +worksheet in Appendix B + +The “AppraisalReportContentIsPrimaryFormIndicator” is a “Y”/ “N” indicator +which can be repeated for multiple instances but should only have one +value of “Y” in the XML. When “Y” is indicated, the forms vendor must allow +for enumerated values for the data point “AppraisalReportContentName”. + +This field should be populated if field 6-44 +(Appraisal Inspection Property Type = +'Comparable' and Appraisal Inspection Typ= +'ExteriorOnly') is indicated.. + +T + +R + +T + +T + +T + +T + +T + +T diff --git a/chunks/txt/03b89e04c9cd2494e5c6537ace5264c7f09ae98f36c94d432f222ca0252cb98b.txt b/chunks/txt/03b89e04c9cd2494e5c6537ace5264c7f09ae98f36c94d432f222ca0252cb98b.txt new file mode 100644 index 0000000000000000000000000000000000000000..f9ca7e93c80e2cdabec8580552d012688d699302 --- /dev/null +++ b/chunks/txt/03b89e04c9cd2494e5c6537ace5264c7f09ae98f36c94d432f222ca0252cb98b.txt @@ -0,0 +1,81 @@ +01 Subject Property + +The Subject Property section provides overall information including the address and legal description of the property being inspected. + +Page 12 + +The Subject Property section always displays. + +Page 13 + +Report +Field ID + +Report Label Name Unique ID MISMO Data Point Name + +Display Rules + +Completion Report: Subject Property + +2800.0024 AddressLineText + +Always displays + +Display if exists + +01.001 + +Physical Address + +2800.0025 AddressUnitIdentifier + +- When AddressUnitIdentifier is provided, + +AddressUnitDesignatorType (UID: 2800.0048, FID: 01.001) = “Unit” +must be provided. + +Note: For 2- to 4-unit properties, do not populate unit number in +Physical Address. Unit Identifier is included in the Unit Interior section. + +2800.0026 CityName +2800.0028 PostalCode +2800.0029 StateCode + +Always displays + +01.002 + +County + +2800.0027 CountyName + +Not on +report + +{No Label} + +1400.0842 + +ImageCategoryType + +Always displays +Note: When the property is located in more than one county, provide +the county that corresponds to the Physical Address, and provide +further details in Completion Report Commentary. +An image of the subject property, typically the front, always displays in +the Subject Property section. +- Deliver with ImageCategoryType = “PropertyPhoto”. (Figure 01 - 1) +- + +This image does not redisplay in Completion Report Exhibits +section. + +Figure 01 - 1 + +Page 14 + +Legal Description + +The Legal Description subsection always displays. The legal description is required either in text format or an image. + +- When Legal Description - ParcelsLegalDescription (UID: 2800.0049, FID: 01.003) is provided, the text displays. (Figure 01 - 2) diff --git a/chunks/txt/03cd33edf147770369945d4082337ed31ce17f5011436709eb8892a47396a66e.txt b/chunks/txt/03cd33edf147770369945d4082337ed31ce17f5011436709eb8892a47396a66e.txt new file mode 100644 index 0000000000000000000000000000000000000000..ea1ad30d3d8afe07360ba950c51df12e3435cbc2 --- /dev/null +++ b/chunks/txt/03cd33edf147770369945d4082337ed31ce17f5011436709eb8892a47396a66e.txt @@ -0,0 +1,194 @@ +Appraisers + +AMCs + +Lenders + +UCDP Direct +Integrators + +1 + +2 + +3 + +4 + +Mapping new UAD 3.6 data (including +data lineage) + +Plan and budget resources for 2023 +development/updates to business +process + +Determine the need and ability to +normalize data between two different +UAD data sets (UAD 2.6 and 3.6) + +Understanding of MISMO 3.6 and the +differences from 2.6 + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +M A R C H 2 0 2 3 + +14 + +Ready to Build? Some Things to Consider (cont.) + +Consideration + +Appraisal Forms +Vendors + +Appraisers + +AMCs + +Lenders + +UCDP Direct +Integrators + +5 + +Coordinate with all involved partners + +6 + +Determine downstream impacts + +7 + +8 + +9 + +Determine how to order and price +appraisals without form numbers + +Update appraisal review +process/procedures for UAD 3.6 data + +Interface with GSE UAD Compliance +Rule API + +10 + +Conduct end-to-end testing of +Appraisal Zip File (XML,PDF and +Images) + +11 + +Determine LOS impacts + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +M A R C H 2 0 2 3 + +15 + +Resources + +Fannie Mae + +Freddie Mac + +Fannie Mae UAD Web Page + +Freddie Mac UAD Web Page + +ü UAD Overview + +ü UAD Video + +ü UAD FAQs + +ü GSE Experts + +Answer +Your UAD +Questions + +ü UAD and Forms + +Redesign +Timeline + +ü UAD and Forms + +Redesign +Summary Report + +M A R C H 2 0 2 3 + +16 + +Training (Coming Soon) + +We’ll provide links to training opportunities as we get +closer to the implementation date. + +Check back later for updates. + +M A R C H 2 0 2 3 + +17 diff --git a/chunks/txt/03dfc0f9f66adbb5f267686c88ad146cbbd99da91c26e0d4ad5f996b155b9a6b.txt b/chunks/txt/03dfc0f9f66adbb5f267686c88ad146cbbd99da91c26e0d4ad5f996b155b9a6b.txt new file mode 100644 index 0000000000000000000000000000000000000000..2b936eed85ee5eb5de7cd9a48d032a4e16906bd3 --- /dev/null +++ b/chunks/txt/03dfc0f9f66adbb5f267686c88ad146cbbd99da91c26e0d4ad5f996b155b9a6b.txt @@ -0,0 +1,23 @@ +2 MISMO Version 3 Reference Model General Information Guide, July 28, 2016, pp. 20-26. Available from www.mismo.org. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 30 + +• xlink:from - identifies the source data point or container +• xlink:arcrole - describes the type of relationship between source data and target data +• xlink:to - identifies the target data point or container + +Containers to be linked are identified using "xlink:label". The RELATIONSHIP container elements hold the “xLink:arcrole”, “xlink:from”, and +“xlink:to” attributes that describe the data relationships. + +Business Requirements Met by Using xLink in the UAD Delivery File + +XLink is the mechanism that establishes "relationships" or linkages in the XML that are visually obvious on the URAR. For example, each +report has one subject property and one or more sale comparable properties. The detailed information about the subject property and +each sales comparable property is obtained from different data sources (e.g., MLS, Assessor Records, etc.). When a report is printed or +displayed, it is obvious which data source relates to the subject property or to an instance of a comparable property by where it is displayed +on the report. However, in the v3.6 XML file, DATA_SOURCE and PROPERTY, are siblings under VALUATION_ANALYSIS. All data source +information, regardless of which property the information belongs to, will appear together under DATA_SOURCES and all properties will +appear together under PROPERTIES. Since the containers are all on the same level hierarchically, the relationships cannot be expressed +using containment. diff --git a/chunks/txt/03e2d56569fcf1195d36bb72ac8a885546f674478dd01a39fda970d2bf3db59e.txt b/chunks/txt/03e2d56569fcf1195d36bb72ac8a885546f674478dd01a39fda970d2bf3db59e.txt new file mode 100644 index 0000000000000000000000000000000000000000..e6705f4f50f8d407a6030995bb94b794bd0c3070 --- /dev/null +++ b/chunks/txt/03e2d56569fcf1195d36bb72ac8a885546f674478dd01a39fda970d2bf3db59e.txt @@ -0,0 +1,18 @@ +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/1001","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); })(); diff --git a/chunks/txt/03e7c9530b62d9a3750c0cda7c984c334338d1a0ceed92bdc010ea4094990714.txt b/chunks/txt/03e7c9530b62d9a3750c0cda7c984c334338d1a0ceed92bdc010ea4094990714.txt new file mode 100644 index 0000000000000000000000000000000000000000..498923415eb7fafc8e4d0742c02430023a76cb11 --- /dev/null +++ b/chunks/txt/03e7c9530b62d9a3750c0cda7c984c334338d1a0ceed92bdc010ea4094990714.txt @@ -0,0 +1,153 @@ +2400.0469 + +StateCode + +2400.0468 + +PostalCode + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Always displays + +Display when provided + +Always displays + +Display when provided + +Display when provided + +Always displays + +Always displays + +Always displays + +Always displays + +Always displays + +Always displays + +08.017 + +Exterior + +08.018 + +Interior + +2400.0293 + +PropertyExteriorInspectionMethodType + +2400.0294 + +PropertyInteriorInspectionMethodType + +Always displays + +Always displays + +08.019 + +Inspection Date + +2400.0292 + +InspectionDate + +Display when provided. +When not provided, do not display report label. + +Page 44 + +Assignment Information: Contact Information – Appraiser + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +Credentials + +08.020 + +Level + +2200.0131 + +AppraiserLicenseType + +08.021 + +ID + +2200.0134 + +LicenseIdentifier + +08.022 + +State + +2200.0135 + +LicenseIssuingAuthorityStateCode + +08.023 + +Expires + +2200.0133 + +LicenseExpirationDate + +08.024 + +ASC Identifier + +2400.0470 + +AppraisalSubCommitteeAppraiserIdentifier + +08.025 +08.026 + +VA Appraiser ID +FHA Appraiser ID + +2400.0474 +2400.0473 + +AgencyAppraiserIdentifierType +AgencyAppraiserIdentifier + +08.027 + +Employment Type 2400.0472 + +AppaiserEmploymentType + +Display Rules + +Always displays + +Always displays + +Required when AppraiserLicenseType <> “None” +When not provided, do not display report label. + +Required when AppraiserLicenseType <> “None” +When not provided, do not display report label. + +Required when AppraiserLicenseType <> “None” +When not provided, do not display report label + +Display when provided. +When not provided, do not display report label. diff --git a/chunks/txt/03e7d336b28b70cbdd717a7ce72562476fe59603a56fb16392f2bc9bddc321d0.txt b/chunks/txt/03e7d336b28b70cbdd717a7ce72562476fe59603a56fb16392f2bc9bddc321d0.txt new file mode 100644 index 0000000000000000000000000000000000000000..dc1560932c0367c9566fcaa8ea98240d47e4158b --- /dev/null +++ b/chunks/txt/03e7d336b28b70cbdd717a7ce72562476fe59603a56fb16392f2bc9bddc321d0.txt @@ -0,0 +1,56 @@ +Holds data points related to the purchase price of the subject +property. + +N O T E : UCD v2.0 no longer includes a second instance of COLLATERAL with the PLEDGED_ASSET structure for accepting +non-real property collateral information. + +1. ADDRESS + +Depending on whether a street address is available, the subject property location will be provided as: + +a. Complete Street Address (with unit information if applicable) OR + +b. Legal Description + Postal Code + +The address populates two locations on the CD. 17.6 Security Interest requires the lender to re-state the information + +regarding the subject property being held for 1.6 Property. + +UCD v2.0 Implementation Guide + +- 18 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +1.0 Closing Information + +117.6 Security Interest .0 Loan Disclosures + +Figure 8. Rendering Subject Property Address Data on the CD. + +1.6 Property 456 Somewhere Avenue, Unit #284 + Anytown, ST 12345 +OR + Lot 32, Block 123, Section 4 + 12345-6789 + +a. Complete Street Address + +You are granting a security interest in + 456 Somewhere Ave, Unit #284 + Anytown, ST 12345 +OR + Lot 32, Block 123, Section 4 + 12345-6789 + +If a street address is available for a property, it must be included in the XML file. A full street address is made up of the +street name and number (with unit number if applicable), city name, 2-letter state abbreviation, and the 5-digit ZIP Code or +9-digit ZIP +4 Code. + +The ADDRESS data points are delivered once in the XML file and populate two different CD locations as illustrated in Figure + +7. The values provided in the “Delivered Value” column in Table 8 are used for the XML file snippet below. diff --git a/chunks/txt/03e808c84ed6ccec6fdc9de99a125eab2b496418e48ec9439862c59bfb77b570.txt b/chunks/txt/03e808c84ed6ccec6fdc9de99a125eab2b496418e48ec9439862c59bfb77b570.txt new file mode 100644 index 0000000000000000000000000000000000000000..7bbe331070ffb6064446802916eeb9020911c7c4 --- /dev/null +++ b/chunks/txt/03e808c84ed6ccec6fdc9de99a125eab2b496418e48ec9439862c59bfb77b570.txt @@ -0,0 +1,110 @@ +MISMO v3.3.0 +Data Point + +MISMO v3.3.0 +Value + +Notes + +4.3.3 (3) | +19.1.1 + +Includes only +interest and no +principal until year +n + +…/INTEREST_ONLY + +InterestOnlyTerm +MonthsCount + +60 + +Represented as +“Year 6” in Loan +Terms table + +Appendix E: UCD Implementation Guide + +Page 74 of 254 + +Version 1.4 + +Uniform Closing Dataset + +4.0 Loan Terms + +ID (bullet) Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 +Data Point + +MISMO v3.3.0 +Value + +Notes + +Table 64. Loan Has Interest Only Feature + +4.3.3 (3) | +19.1 + +Includes only +interest and no +principal… + +…/LOAN/LOAN_DE +TAIL + +InterestOnlyIndicat +or + +true + +Represented as +“Includes only +interest and no +principal” in Loan +Terms table + +c. LOANS FOR WHICH P&I PAYMENT CHANGES I NDEPENDENTLY OF RATE + +If the principal and interest payment can increase after closing and the change is independent of a change to the +interest rate, for example, for a GPM, GEM, or Step Payment loan, a bullet referencing the AP Table must be +included. The value of AmortizationType indicates that this additional bullet is needed on the form. The same +data points used in Table 4.3.3 P&I Payment Increase Terms would be provided to show the increase to the +payment. + +4.0 Loan Terms + +Can this amount increase after closing? + +4.2 Interest Rate + +4.2.1 3.875% + +4.2.2 NO + +4.2.3 + +4.3 Monthly Principal & Interest + +4.3.1 $761.78 + +4.3.2 YES + +See Projected Payments below for your +Estimated Total Monthly Payment + +4.3.3 • Adjusts every year starting in year 2 +• Goes as high as $1,800 in year 4 +• See AP Table on page 4 for details + +Figure 47. P&I Payment Adjusts Independently of Interest Rate + +ID +(bullet) diff --git a/chunks/txt/03eab3c5239cfcb37ec1a575a4b8fe7378ac547ef878644053716de98175ba60.txt b/chunks/txt/03eab3c5239cfcb37ec1a575a4b8fe7378ac547ef878644053716de98175ba60.txt new file mode 100644 index 0000000000000000000000000000000000000000..c2bbcc6588909e6530d351dd288522d86e971fb8 --- /dev/null +++ b/chunks/txt/03eab3c5239cfcb37ec1a575a4b8fe7378ac547ef878644053716de98175ba60.txt @@ -0,0 +1,69 @@ + Data Dictionary was updated to clarify the “Race and Ethnicity of +Borrower(s)” data field (field name: race_ethnicity). This data +field represents the race and ethnicity of borrower(s). For +purchase mortgages, it is the race and ethnicity of the buyer(s), not +sellers. For refinance mortgages, it is the race and ethnicity of the +owners who are refinancing. + +1 + +Version +Name + +Release +Date + +Notes + +V2.0 + +10/28/2024 + +V2.1 + +2/4/2025 + + Datasets in RDS format were added to supplement the RDATA + +format. + + Missing values for data fields in the RDATA format were recoded + +from "NA" to NA for ease of use. + + A total of 13 data fields were converted from integer type to + +double type in both RDS and RDATA format files for ease of use. + First-ever public release of appraisal data submitted to the Federal + +Housing Administration. + + Appraisals from 2017 to 2022, collected through Uniform + +Residential Appraisal Report (URAR). + + Nationally representative 5 percent random sample of 1-unit + +single-family appraisal records of mortgages insured by the Federal +Housing Administration that required traditional appraisals. + + Approximately 266,000 FHA UAD appraisal records. + Appraisal records from 2022 were added to the Enterprise UAD + +public-use file. + + An enhanced crosswalk was provided by the Enterprises for UAD +records from 2013 to 2021 so that this version of the PUF covers +more appraisal records for mortgages acquired by the Enterprises. + + A Duty-to-Serve rural location indicator was added to the + +Enterprise UAD public-use file. + + State, county, and tract FIPS codes based on the 2020 Census +definition were added to the 2022 Enterprise appraisal records. + State, county, and tract FIPS codes based on the 2010 Census +definition were updated utilizing improved geocoding for the +Enterprise appraisals from 2013 to 2021. +Includes minor adjustments to suppression algorithms. Changes +should affect users minimally. diff --git a/chunks/txt/03ec3e67c744ff8f75cf69654194055816523db77ab108c1da6177d0eed8aebb.txt b/chunks/txt/03ec3e67c744ff8f75cf69654194055816523db77ab108c1da6177d0eed8aebb.txt new file mode 100644 index 0000000000000000000000000000000000000000..a5b14fd827394258bb9245457e5da29977122e46 --- /dev/null +++ b/chunks/txt/03ec3e67c744ff8f75cf69654194055816523db77ab108c1da6177d0eed8aebb.txt @@ -0,0 +1,37 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# Frequently Asked Questions + +- ### [FHFA House Price Index Frequently Asked Questions](/faqs/hpi) + +**Published: Tuesday, August 29, 2023** + +​​​​Table of Contents 1. What is the value of the FHFA House Price Index (HPI)? 2. What transactions are covered in the FHFA HPI? 3. How is... diff --git a/chunks/txt/03eee25f4ee563d00ccc52582258f90ae82f1f24c00c0fc1e41cac8242980900.txt b/chunks/txt/03eee25f4ee563d00ccc52582258f90ae82f1f24c00c0fc1e41cac8242980900.txt new file mode 100644 index 0000000000000000000000000000000000000000..fcb14633420bf824f391828da67a11b69663714e --- /dev/null +++ b/chunks/txt/03eee25f4ee563d00ccc52582258f90ae82f1f24c00c0fc1e41cac8242980900.txt @@ -0,0 +1,22 @@ +5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for +sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject +property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. + +6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior +to the date of sale of the comparable sale, unless otherwise indicated in this report. + +7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. + +8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that +has been built or will be built on the land. + +9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject +property and the comparable sales. + +10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in +the sale or financing of the subject property. + +11. I have knowledge and experience in appraising this type of property in this market area. + +12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing +services, tax assessment records, public land records and other such data sources for the area in which the property is located. diff --git a/chunks/txt/03f1ea91431d2e7a9ebb30a49f8fe0b90880cade25dabacc23561ca725f2a116.txt b/chunks/txt/03f1ea91431d2e7a9ebb30a49f8fe0b90880cade25dabacc23561ca725f2a116.txt new file mode 100644 index 0000000000000000000000000000000000000000..8b87106eeb7ea5e28951549e20f28597f9725cdc --- /dev/null +++ b/chunks/txt/03f1ea91431d2e7a9ebb30a49f8fe0b90880cade25dabacc23561ca725f2a116.txt @@ -0,0 +1,45 @@ +Note: At the time of sale of the loan to Fannie Mae, the home must no longer be classified as personal property, +and all steps required to classify the home as real property must have been completed. + +The towing hitch, wheels, and axles must be removed. The dwelling must assume the characteristics of +site-built housing. + +The manufactured home must be at least 12 feet wide and have a minimum of 400 square feet of above- +grade finished area. + +Except for MH Advantage properties, Fannie Mae does not specify other minimum requirements for size, +roof pitch, or any other specific construction details for HUD-coded manufactured homes. + +Site preparation for delivery of the manufactured home must be completed. + +The manufactured home must be attached to a permanent foundation system in accordance with the +manufacturer’s requirements for anchoring, support, stability, and maintenance. + +The foundation system must be appropriate for the soil conditions for the site and meet local and state +codes. + +The manufactured home must be permanently connected to a septic tank or sewage system, and to other +utilities in accordance with local and state requirements. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 14 of 166 + +UAD 3.6 Policy + +If the property is not situated on a publicly dedicated and maintained street, then it must be situated on a +street that is community owned and maintained or privately owned and maintained. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 15 of 166 + +UAD 3.6 Policy + +✓ + +Requirements + +There must be adequate vehicular access and there must be an adequate and legally enforceable +agreement for vehicular access and maintenance. See SB4-1.3-04, Property Site, Disaster Mitigation, and +Highest and Best Use, for additional information about privately maintained streets. diff --git a/chunks/txt/03f9df3b19b34fec974863a4aa548107f3efa34406c64dbedca6e3b83196f261.txt b/chunks/txt/03f9df3b19b34fec974863a4aa548107f3efa34406c64dbedca6e3b83196f261.txt new file mode 100644 index 0000000000000000000000000000000000000000..d7b51be933570e28fb3ed1b202f59617337dcea4 --- /dev/null +++ b/chunks/txt/03f9df3b19b34fec974863a4aa548107f3efa34406c64dbedca6e3b83196f261.txt @@ -0,0 +1,106 @@ +/VALUATION_RESPONSE/PARTIES/LENDER/@AppraisalFormsUnpars +edAddress + +/VALUATION_RESPONSE/PARTIES/LENDER/CONTACT_DETAIL/C +ONTACT_POINT[@_Type=‘Email’]/@_Value + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_Name + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_CompanyName + +90 + +25 + +25 + +25 + +String + +String + +String + +String + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +Company Address + +Supervisor Street +Address + +The street address of the supervisor. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_StreetAddress + +45 + +String + +APPRAISER +CERTIFICATION + +APPRAISER +CERTIFICATION + +APPRAISER +CERTIFICATION + +APPRAISER +CERTIFICATION +APPRAISER +CERTIFICATION + +Supervisory Appraiser +Company Address +(2nd line) +Supervisory Appraiser +Company Address +(2nd line) +Supervisory Appraiser +Company Address +(2nd line) +Supervisory Appraiser +Telephone Number +Supervisory Appraiser +Email Address + +Supervisor City + +The city in which the address of the +supervisor is located. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_City + +Supervisor State + +The state in which the address of the +supervisor is located. + +Supervisor Postal +Code + +Contact Point Value + +Contact Point Value + +The postal code (zip code in US) of the +address of the supervisor. Zip code may +be either 5 or 9 digits. +This is the actual value (Phone, Fax, E- +Mail, Other) of the Contact Point Type. +This is the actual value (Phone, Fax, E- +Mail, Other) of the Contact Point Type. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_State + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_PostalCode + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/CONTACT_DETA +IL/CONTACT_POINT[@_Type=‘Phone’]/@_Value +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/CONTACT_DETA +IL/CONTACT_POINT[@_Type=‘Email’]/@_Value diff --git a/chunks/txt/0408fbfeaee2ac9a8edac7b88bfe2e1c6d35f508475a76cfbaeeacd0361adbcb.txt b/chunks/txt/0408fbfeaee2ac9a8edac7b88bfe2e1c6d35f508475a76cfbaeeacd0361adbcb.txt new file mode 100644 index 0000000000000000000000000000000000000000..0ba74a45bea0e23c34dd1f812a2a6c1ea399ca9d --- /dev/null +++ b/chunks/txt/0408fbfeaee2ac9a8edac7b88bfe2e1c6d35f508475a76cfbaeeacd0361adbcb.txt @@ -0,0 +1,58 @@ +a. MISMO v3.3.0 IndexType values do not include a value for the Secured Overnight Financing Rate (SOFR) so the + +enumeration “Other” must be provided and the data point IndexTypeOtherDescription must be +“30DayAverageSOFR”. + +2 The change frequency noted here can apply to the subsequent adjustment because the change frequency does not change throughout +the life of the loan (every 3 years after initial 5-year period). + +UCD v2.0 Implementation Guide + +- 32 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +b. + +c. + +INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE holds the data points specifying the margin, floor and ceiling +interest rates and the date of the first rate change. + +INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE qualified by AdjustmentRuleType = “First”, includes data +points representing the rate cap and frequency for the first adjustment period after closing. A second instance +qualified by AdjustmentRuleType = “Subsequent” represents the rate cap in place for the second and all +subsequent adjustment periods, as well as the number of months between changes. + +The data points used to provide adjustment information for both the Loan Terms and AIR tables are provided below. + +Table 17. UCD v2.0 Spec Excerpt - Interest Rate Adjustment Data Requirements. + +UCD UID + +MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ADJU +STMENT/INTEREST_RATE_ADJUSTMENT/INDEX_RULES/INDEX_RULE + +11.055 + +IndexType + +Other + +11.100 + +IndexTypeOtherDescription + +30DayAverageSOFR + +Only value allowed in UCD v2.0. diff --git a/chunks/txt/040c4c3d28c2ba551d208dc201caa1f47a7eb30f2c5512cc22269158937ad714.txt b/chunks/txt/040c4c3d28c2ba551d208dc201caa1f47a7eb30f2c5512cc22269158937ad714.txt new file mode 100644 index 0000000000000000000000000000000000000000..6db83687cffc0ff285e77afd788da5ceddd873b6 --- /dev/null +++ b/chunks/txt/040c4c3d28c2ba551d208dc201caa1f47a7eb30f2c5512cc22269158937ad714.txt @@ -0,0 +1,35 @@ +18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not +conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a +predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of +any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending +mortgage loan application). + +19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I +relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal +or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this +appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make +a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no +responsibility for it. + +20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that +ordered and will receive this appraisal report. + +Freddie Mac Form 70 March 2005 226 + +Page 5 of 6 + +Fannie Mae Form 1004 March 2005 + +2 Uniform Residential Appraisal Report + +File # 3 + +4 4a + +21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the +borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other +secondary market participants; data collection or reporting services; professional appraisal organizations; any department, +agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to +obtain the appraiser’s or supervisory appraiser’s (if applicable) consent. Such consent must be obtained before this appraisal +report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public +relations, news, sales, or other media). diff --git a/chunks/txt/0412e6ba6688273682a6eb067f82f4424dd973c9e9c3dc6564c07b3049910da4.txt b/chunks/txt/0412e6ba6688273682a6eb067f82f4424dd973c9e9c3dc6564c07b3049910da4.txt new file mode 100644 index 0000000000000000000000000000000000000000..a6e98648b1a0fbf342c68e35cfdaeb23bb16a217 --- /dev/null +++ b/chunks/txt/0412e6ba6688273682a6eb067f82f4424dd973c9e9c3dc6564c07b3049910da4.txt @@ -0,0 +1,273 @@ +$489,000 + +Pending + +$489,000 + +$5,000 + +09/17/2019 + +12 + +Detached + +Fee Simple + +0.17 Miles N + +$460,000 + +Settled Sale + +— + +$460,000 + +$0 + +$0 + +$0 + +$8,500 + +07/22/2019 + +08/17/2019 + +12 + +Detached + +Fee Simple + +0.06 Miles N + +$449,900 + +Settled Sale + +— + +$450,000 + +$0 + +$0 + +$0 + +$11,000 + +08/05/2019 + +09/10/2019 + +6 + +Detached + +Fee Simple + +$10,400 + +07/02/2019 + +08/31/2019 + +14 + +Detached + +Fee Simple + +14,950 Sq. Ft. + +17,886 Sq. Ft. + +$0 + +13,038 Sq. Ft. + +$0 + +16,039 Sq. Ft. + +0.4 Miles NE + +$525,000 + +Settled Sale + +— + +$520,000 + +$0 + +$0 + +$0 + +$0 + +$0 + +Sunnyside + +Sunnyside + +Rolling + +Rolling + +Sunnyside + +Rolling + +Hilldale + +Flat + +$(2,000) + +Residential + +Residential + +Busy Roadway + +$5,000 + +Residential + +Residential | Full + +Residential | Full + +Residential | Full + +Residential | Full + +2004 + +Colonial + +2004 + +Colonial + +Forced Warm Air | Natural Gas + +Forced Warm Air +| Natural Gas + +Centralized + +Centralized + +2004 + +Colonial + +Forced Warm Air +| Natural Gas + +Centralized + +2001 + +Colonial + +$0 + +Forced Warm Air +| Natural Gas + +Centralized + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Contract Price + +Sale Price + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Property Rights Appraised + +Site + +Site Size + +Neighborhood Name + +Topography + +Site Influence (Location) + +View | Range + +Dwelling(s) + +Year Built + +Dwelling Style + +Heating + +Cooling + +Energy Efficient and Green Features + +Efficiency Rating + +HERS | 62 + +$0 + +None + +$0 + +HERS | 61 + +$0 + +None + +Unit(s) + +Bedrooms + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +Unfinished Area +Below Grade + +5 + +3 | 1 + +3,002 Sq. Ft. + +1,300 Sq. Ft. diff --git a/chunks/txt/04468fac8f20561cd8f0ccd05d9e15168664085570ad8dd3274be8cfeb8a3147.txt b/chunks/txt/04468fac8f20561cd8f0ccd05d9e15168664085570ad8dd3274be8cfeb8a3147.txt new file mode 100644 index 0000000000000000000000000000000000000000..0370fe149b24f5d3f292e7b664f6699be8a9d537 --- /dev/null +++ b/chunks/txt/04468fac8f20561cd8f0ccd05d9e15168664085570ad8dd3274be8cfeb8a3147.txt @@ -0,0 +1,229 @@ +Bedrooms + +Baths - Full | Half + +Eastwood + +Eastwood + +Midtown + +$0 + +Century Village + +$0 + +Residential | Full + +Residential | Full + +Residential | Full + +Residential | Full + +1973 + +Mid-rise + +1973 + +Mid-rise + +1986 + +Mid-rise + +$0 + +1987 + +Mid-rise + +$0 + +Forced Warm Air | Natural Gas + +Forced Warm Air + +Forced Warm Air + +Forced Warm Air + +Centralized + +Centralized + +Centralized + +Centralized + +2 + +No + +2 + +2 | 0 + +2 + +No + +2 + +2 | 0 + +$(5,000) + +8 + +No + +2 + +2 | 0 + +3 + +$0 + +Yes + +$(10,000) + +2 + +2 | 0 + +Finished Area Above Grade + +Finished Area Below Grade + +1,092 Sq. Ft. + +1,092 Sq. Ft. + +1,171 Sq. Ft. + +$0 + +1,075 Sq. Ft. + +$0 + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +Quality and Condition (Ratings: 1-6, 1 is highest) + +Interior Quality and Condition + +Quality + +Kitchen + +Q4 + +Q4 + +Q4 + +Q4 + +Quality components + +Quality components + +Quality components + +Quality components + +Overall Bathrooms + +Decorative tiling and finishes + +Decorative tiling and finishes + +Decorative tiling and finishes + +Decorative tiling and finishes + +Overall Flooring + +Wool carpeting + +Quality carpeting + +Quality carpeting + +Quality carpeting + +Condition + +Kitchen + +Overall Bathrooms + +Overall Flooring + +C3 + +Fully Updated + +Fully Updated + +C3 + +Fully Updated + +Fully Updated + +C3 + +Fully Updated + +Fully Updated + +C3 + +Fully Updated + +Fully Updated + +Significantly Updated + +Significantly Updated + +Significantly Updated + +Significantly Updated + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +Quality + +Condition + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Appraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1) diff --git a/chunks/txt/044a37328966aa1d052588a9da24de150026bf1afd73f7686a6f86b4fdcedb9e.txt b/chunks/txt/044a37328966aa1d052588a9da24de150026bf1afd73f7686a6f86b4fdcedb9e.txt new file mode 100644 index 0000000000000000000000000000000000000000..6b518d334d29f926998cf0223ecff78e9e7f78d1 --- /dev/null +++ b/chunks/txt/044a37328966aa1d052588a9da24de150026bf1afd73f7686a6f86b4fdcedb9e.txt @@ -0,0 +1,23 @@ +[*Credit Risk Transfer Progress Report Fourth Quarter 2017* (3/29/2018)](/reports/credit-risk-transfer-progress-report/2017-Q4) + +[FHFA Updates Progress on Fannie Mae and Freddie Mac Credit Risk Transfer Programs (11/22/2017)](/node/8566/) + +[*Credit Risk Transfer Progress Report Second Quarter 2017* (11/22/2017)](/sites/default/files/2023-05/CRT-Progress-Report-2Q2017.pdf) + +[FHFA Updates Progress on Fannie Mae and Freddie Mac Credit Risk Transfer Programs (7/26/2017)](/node/8436/) + +[*Credit Risk Transfer Progress Report March 2017* (7/26/2017)](/reports/credit-risk-transfer-progress-report/2017-Q1) + +[FHFA Updates Progress on Fannie Mae and Freddie Mac Credit Risk Transfer Programs (3/27/2017)](/node/8311/) + +[*Credit Risk Transfer Progress Report*(3/27/2017)](/sites/default/files/2023-03/CRTProgressReport_Dec2016.pdf) + +[FHFA Extends Response Period for Credit Risk Transfer Request for Input (8/10/2016)](/node/8101) + +[News Release about Progress Report & RFI (6/29/2016)](/node/8061) + +[*Single-Family Credit Risk Transfer Progress Report*(6/29/2016)](/sites/default/files/2023-04/CRT-Progress-Report-6292016.pdf) + +​[*Single-Family Credit Risk Transfer Request for Input*(6/29/2016)](/sites/default/files/2023-03/sf-crt-rfi-6292016.pdf) Response period closed 10/13/2016 + +[Review Input Submitted](/discussion-topics-overview?tab=all&category=general) (select ***Single-Family Credit Risk Transfer*** in pull down menu)​ diff --git a/chunks/txt/044efa5df4ce29c341eb4af332d15335b4d0533bd6f5ba6d54d3e92ae822184b.txt b/chunks/txt/044efa5df4ce29c341eb4af332d15335b4d0533bd6f5ba6d54d3e92ae822184b.txt new file mode 100644 index 0000000000000000000000000000000000000000..98c0f7e9ce9241db78a5d9ae4562c2b04adbc6fd --- /dev/null +++ b/chunks/txt/044efa5df4ce29c341eb4af332d15335b4d0533bd6f5ba6d54d3e92ae822184b.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/about/fhfa-policies/equal-employment-opportunity-no-fear-act" +date_accessed: "2026-01-27T17:47:55.308Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/044f50dc5e95ad47a35a2293af299ef924d12aa8c5939c107d9e205822dbf647.txt b/chunks/txt/044f50dc5e95ad47a35a2293af299ef924d12aa8c5939c107d9e205822dbf647.txt new file mode 100644 index 0000000000000000000000000000000000000000..98e04318349611823b2cf71449d76719ef15beb0 --- /dev/null +++ b/chunks/txt/044f50dc5e95ad47a35a2293af299ef924d12aa8c5939c107d9e205822dbf647.txt @@ -0,0 +1,152 @@ +Uniform Residential Appraisal Report + +Page 3 of 22 + +Site + +Total Site Size + +1,765 Sq. Ft. + +Number of Parcels + +1 + +Assessor Parcel Number (APN) +160403459625-67 + +APN Description +Land with Dwelling + +Parcel Size +1,765 Sq. Ft. + +Zoning + +Compliance +Classification Code +Classification Code Description + +Legal +CR Town + Mixed used residential +allowable. + +Property Access +Primary Access +Street Type and Surface + +Typical for Market + +Public Street +Alley | Asphalt +Local Road | Asphalt +Yes + +Site Influence + +Influence +Busy Roadway + +Park + +Proximity +Offsite + +Offsite + +Detail + +Impact +Adverse + +Beneficial + +Comment +Within 1/4 mile of I270 + +Within 3 blocks of Valleyhoo +Park + +Site Influence Commentary While subject does not have a direct view of I270, roadway noise can be heard throughout the subject +neighborhood. + +View and Impact to Value/Marketability + +View +Residential + +Range of View +Full + +Impact +Neutral + +Site Features and Impact to Value/Marketability + +Feature +Hazard Zone + +Site Characteristic + +Detail +No Hazard Zone Noted + +Topography | Flat + +Impact + +Comment + +Neutral + +Utilities and Impact to Value/Marketability + +Broadband Internet Available + +Yes + +Private + +Detail + +Private Utility +Impact + +Comment + +Electricity + +Gas + +Sanitary Sewer + +Water + +Public + + + + + +Apparent Defects, Damages, and Deficiencies (Site) + +None + +Site Commentary + +Lot size is typical to the area. + +Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 4 of 22 + +Site (continued) + +Site Exhibits + +Property Boundaries - Plat Map + +Property Access (Street Scene) - View diff --git a/chunks/txt/045fac4a6011c56a3418d29dc3ea9a9733669e4de311653a45253baa9d7e4e31.txt b/chunks/txt/045fac4a6011c56a3418d29dc3ea9a9733669e4de311653a45253baa9d7e4e31.txt new file mode 100644 index 0000000000000000000000000000000000000000..20a00f615ee7f611395b0b178dae3d58d8bb90e3 --- /dev/null +++ b/chunks/txt/045fac4a6011c56a3418d29dc3ea9a9733669e4de311653a45253baa9d7e4e31.txt @@ -0,0 +1,25 @@ +--- +title: "Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) | FHFA" +source_url: "https://www.fhfa.gov/data/uad/puf" +date_accessed: "2026-01-27T17:50:58.592Z" +selector: "#main-content" +parent_folder: "APPRAISAL_DATASET" +capture_name: "Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA" +--- + +## Breadcrumb + +- [Home](/) + - [FHFA Data](/data) + - [Uniform Appraisal Dataset (UAD) Aggregate Statistics](/data/uad) + - Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) + +# Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) + +### Version 2.1 (2/4/2025) + +The Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) is the nation’s first publicly available appraisal-level dataset of appraisal records, giving the public new access to a selected set of data fields found in appraisal reports. The UAD Appraisal-Level PUF are provided separately for the Enterprises (Fannie Mae and Freddie Mac) and Federal Housing Administration (FHA) appraisals: + +- The Enterprise UAD Appraisal-Level PUF is based on a five percent nationally representative random sample of appraisals for single-family mortgages acquired by the Enterprises. The current release includes appraisals from 2013 through 2022. +- The FHA UAD Appraisal-Level PUF is based on a five percent nationally representative random sample of appraisals for single-family mortgages insured by FHA. The current release includes appraisals from 2017 through 2022. +The UAD Appraisal-Level PUF is a resource for users capable of using statistical software to extract and analyze data. Users can download annual or combined files in CSV, R, SAS and Stata formats. All files are zipped for ease with download. diff --git a/chunks/txt/046c185d6f98efed07d072db7c969f44bb76880e868a774f07f959137fbd2a26.txt b/chunks/txt/046c185d6f98efed07d072db7c969f44bb76880e868a774f07f959137fbd2a26.txt new file mode 100644 index 0000000000000000000000000000000000000000..c73faea98a6616082e7d6a8fb637345842c7c74c --- /dev/null +++ b/chunks/txt/046c185d6f98efed07d072db7c969f44bb76880e868a774f07f959137fbd2a26.txt @@ -0,0 +1,36 @@ +Appendix B-1: URAR Implementation Guide v1.3 + +Page 307 + +Unit to Unit Comparison + +The Comparable Rental Analysis grid reflects a unit-to-unit comparison instead of a property-to-property comparison. Comparable units +must be provided for each subject unit that is included in the Rental Information section (UnitIncludedInRentScheduleIndicator (UID: +0700.0065, FID: Not on report) is “true”). + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 308 + +• Each comparable represents a unit and not necessarily the entire property. + +o The Comparable # - PropertyOrdinalNumber (UID: 2000.0078, FID: 23.02.02, 23.03.24) references the comparable unit in the + +Comparable Rental Properties subsection, and not the column order in the grid. + +o A comparable unit may be compared to more than one subject unit. Identification of which comparable unit(s) are being + +compared to which subject unit(s) is done using an arcrole (for details see Rental Information – Arcrole Relationship). + +• Each subject property unit in Rental Information (UnitIncludedInRentScheduleIndicator (UID: 0700.0065, FID: Not on report) = "true"): + +o Has its own “rental grid”, to reflect the unit-to-unit comparison. +o Can have between 3 and 7 comparable units per subject property unit. + +• Each subject property unit in Rental Information (UnitIncludedInRentScheduleIndicator (UID: 0700.0065, FID: Not on report) = "true"): + +o Has its own “rental grid” to reflect the unit-to-unit comparison. +o Can have between 3 and 7 comparable units per subject property unit. + +The display varies depending on how many subject property units are displaying in Rental Information, and how many comparables each +subject property unit has. diff --git a/chunks/txt/046c2d589f2d892f576ae54912772e522520048b71a5dd203f916413a04f72ea.txt b/chunks/txt/046c2d589f2d892f576ae54912772e522520048b71a5dd203f916413a04f72ea.txt new file mode 100644 index 0000000000000000000000000000000000000000..0175713f1645fb66698e47967eb0ae17b0c46936 --- /dev/null +++ b/chunks/txt/046c2d589f2d892f576ae54912772e522520048b71a5dd203f916413a04f72ea.txt @@ -0,0 +1,89 @@ +How will this affect my integrated system(s)? + +Integrated systems that parse the DocumentationLevelCodes attribute returned in the DU Codified Findings (XML file) will require +updates to support the new codes. + +Parent Element +DocumentationLevelCodes RequiredDocumentationLevelCode 143 +DocumentationLevelCodes RequiredDocumentationLevelCode 349 + +Attribute Name + +Value + +Description +Hybrid Appraisal +Restricted Stock + +Change +New +New + +© 2025 Fannie Mae 8.8.25 1 of 4 + +DU Spec Version 1.9.1 Update + +Fannie Mae has published updates to the DU Specification, Fannie Mae DU Schemas, DU Implementation Guide and DU +Specification Test Case Suite. The following fields were updated in DU Specification Version 1.9.1 + +Data Point Name + +Unique +ID +999.0005 AboutVersionIdentifier + +2.0141 + +ManufacturedHomeWidthType + +DU Supported +Enumeration(s) +DU Spec 1.9.1 + +MultiWide +SingleWide + +2.0228 + +PropertyEstimatedValueAmount + +3.0028 +4.0294 + +ProductDescription +EmploymentClassificationType + +4.0313 + +IncomeTypeOtherDescription + +Primary +Secondary +RestrictedStock + +Change + +Enter the version of the DU Specification that +was used to validate the request file. +Added Implementation Notes for DU, CR, and +EC: + +• Single (including multi-story single-width +homes) +• Multi (manufactured in multiple sections +and joined on site) +Added Implementation Notes for DU, CR, and +EC: + +The estimated value should always be sent +until the Actual Appraised Value as needed +per Fannie Mae Selling guidelines. The +estimated property value provided must be +the lender’s or borrower's estimate of value +for a refinance transaction, or the Sales +Contract Price for a purchase transaction. +Increased Data Point Format to String 80. +Added indication these data points are part of +the Optimized Dataset. +Added value "RestrictedStock" and +Implementation Notes for DU, CR, and EC: diff --git a/chunks/txt/0473686c60c8cb737e2b96c4bf7fcd698a5bf81970e62b4500846f31cbdb98ac.txt b/chunks/txt/0473686c60c8cb737e2b96c4bf7fcd698a5bf81970e62b4500846f31cbdb98ac.txt new file mode 100644 index 0000000000000000000000000000000000000000..c291dd670b3a632766d28d29ab258b9640d80364 --- /dev/null +++ b/chunks/txt/0473686c60c8cb737e2b96c4bf7fcd698a5bf81970e62b4500846f31cbdb98ac.txt @@ -0,0 +1,99 @@ +Detached + +Row or Townhouse + +General Description + +General Description + +Garden + +Mid-Rise +Subject Phase + +High-Rise + +Other (describe) +If Project Completed + +# of Stories +# of Elevators +Existing + Under Construction + +Proposed + +Exterior Walls +Roof Surface +Total # Parking +Ratio (spaces/units) +Type +Guest Parking + +Year Built +Effective Age +Project Primary Occupancy +Is the developer/builder in control of the Homeowners’ Association (HOA)? +Management Group – + +Homeowners’ Association + +Principle Residence + +Developer + +# of Units +# of Units Completed +# of Units For Sale +# of Units Sold +# of Units Rented +# of Owner Occupied Units + Second Home or Recreational + No + +Yes + +# of Phases +# of Units +# of Units for Sale +# of Units Sold +# of Units Rented +# of Owner Occupied Units + +Tenant + +Management Agent – Provide name of management company. + +Does any single entity (the same individual, investor group, corporation, etc.) own more than 10% of the total units in the project? + +Yes + +No If Yes, describe + +Was the project created by the conversion of an existing building(s) into a condominium? + +Yes + +No If Yes, describe the original use and the date of conversion. + +Are the units, common elements, and recreation facilities complete (including any planned rehabilitation for a condominium conversion)? + +Yes + +No If No, describe + +Is there any commercial space in the project? + +Yes + +No If Yes, describe and indicate the overall percentage of the commercial space. + +Freddie Mac Form 465D April 2022 + +Page 1 of 6 + +Fannie Mae Form1073 Desktop April 2022 + +Describe the condition of the project and quality of construction. + +Individual Condominium Unit Appraisal Report (Desktop) diff --git a/chunks/txt/0485c560aa9b24f6a150d6332511d077d70088dcf33d2358d35daddafd77f2df.txt b/chunks/txt/0485c560aa9b24f6a150d6332511d077d70088dcf33d2358d35daddafd77f2df.txt new file mode 100644 index 0000000000000000000000000000000000000000..0a823c7ddb04d57bce51b9cedc189949579bda62 --- /dev/null +++ b/chunks/txt/0485c560aa9b24f6a150d6332511d077d70088dcf33d2358d35daddafd77f2df.txt @@ -0,0 +1,87 @@ +The “Current or Relevant Listings” and Data Source labels and the table are mutually exclusive and will not display in the report together. + +When ListedWithinPreviousYearIndicator (UID: 0900.0004, FID: 19.000) = “false”: + +• The report label “Current or Relevant Listings” must display, followed by the text “None”. (Figure 19 - 1) +• The report label “Data Source” must display and at least one DataSourceType (UID: 0900.0030, FID: 19.001) must be provided. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 259 + +• An instance of the RELATIONSHIP container for every DataSourceType must be included in the XML file to associate the + +DATA_SOURCE to LISTING_INFORMATION_SUMMARY. + +For additional information, see Subject Listing Information – Arcrole Relationships. + +Subject Listing Information: General Information + +Report +Field ID + +19.000 + +Report Label + +Unique ID + +MISMO Data Point Name + +Display Rules + +Current or Relevant +Listings + +0900.0004 + +ListedWithinPreviousYearIndicator When ListedWithinPreviousYearIndicator = "false”, display “None” + +19.001 + +Data Source + +0700.0125 + +DataSourceType + +Displays when ListedWithinPreviousYearIndicator = "false" +If there are multiple, display as stacked on a new line + +19.002 + +Listing Status + +0900.0013 + +ListingStatusType + +Displays when ListedWithinPreviousYearIndicator = "true" + +19.003 + +Listing Type + +0900.0015 + +ListingType + +Displays when ListedWithinPreviousYearIndicator = "true" + +19.004 + +Listing ID + +0900.0011 + +ListingIdentifier + +Displays when ListedWithinPreviousYearIndicator = "true" AND ListingType = "MLS" OR Exists + +19.005 + +Start Date + +0900.0012 + +ListingStartDate diff --git a/chunks/txt/04a1282fb0e7e06621ba5e57aecb84483e056694b2d05c45c3c07b69059493e9.txt b/chunks/txt/04a1282fb0e7e06621ba5e57aecb84483e056694b2d05c45c3c07b69059493e9.txt new file mode 100644 index 0000000000000000000000000000000000000000..84ed4008ef8609d3b15bf60e2284b58ebdcd7967 --- /dev/null +++ b/chunks/txt/04a1282fb0e7e06621ba5e57aecb84483e056694b2d05c45c3c07b69059493e9.txt @@ -0,0 +1,65 @@ +Cost Method +Depreciation Method + +Comparative Unit +Modified Economic Age-Life + +Depreciated cost for the barn and the garage are physical in nature. Cost of all structures are based off a lump sum estimate per square foot or +per cubic foot of all components of the structure including their foundations. The comparative unit method is used to derive a cost estimate in +terms of dollars per unit of area, or volume, based on known cost of similar structures that are adjusted for time, and physical differences. The +cost estimate is then applied to the total building area. + +Depreciated site improvements include 2 decks, dock, utilities to site and electric to water front, fencing, and driveway. + +Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1) + +Uniform Residential Appraisal Report + +Page 25 of 30 +Page 25 of 30 + +Cost Approach (continued) + +Cost Approach Exhibits + +Map of Land Comparables + +This is where the Map of Land Comparables image would display. + +Reconciliation + +Approaches to Value + +Indicated Value + +Reason for Exclusion + +Sales Comparison Approach +$445,000 + +Income Approach + +Cost Approach +$459,500 + +Not Necessary for Credible Results + +Appraisal Summary + +Opinion of Market Value +Market Value Condition + +$445,000 +As Is + +Reasonable Exposure Time +Effective Date of Appraisal + +45 Days +09/25/2019 + +Reconciliation of Market Value + +Utilize this subsection for additional commentary as required by USPAP. + +Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1) diff --git a/chunks/txt/04a23a3847e1782afcb8db1d46f4f676856c16218aea1696ee80e632e85a7009.txt b/chunks/txt/04a23a3847e1782afcb8db1d46f4f676856c16218aea1696ee80e632e85a7009.txt new file mode 100644 index 0000000000000000000000000000000000000000..8d506dbb70656bb0e2eec5e12e7a376a69e1fcb3 --- /dev/null +++ b/chunks/txt/04a23a3847e1782afcb8db1d46f4f676856c16218aea1696ee80e632e85a7009.txt @@ -0,0 +1,81 @@ +The Reasons field will be populated with all +reasons why the Verification of Deposit +report could not be evaluated (separated by +commas). + +Only one row will be displayed for “Base +Employment Income (includes self- +employment)”. Since there will be a single +row, the “Vendor and Report Type” and +“Report ID” fields will be populated with the +values for both reports. + +3309 + +DVS-INCOME- +VALIDATED + +Borrower + +When two borrowers report Pension or Social +Security income and have a joint Tax Transcript, +there is a row in the table for each borrower for +the reported income type. + +There will be a single row for the income +type validated with both borrowers +displayed in the Borrower field (e.g., John +Homeowner and Mary Homeowner). + +3311 + +DVS-INCOME- +CLA + +Income Type, +DU Vendor and +Report Type, +Report ID + +When the borrower reports income from self- +employment and a traditional employer, and a +Verification of Employment report and Tax +Transcript are used to calculate income, there +are separate rows displayed, one for “Base +Employment Income (includes self- +employment)” and one for “Base Employment + +Only one row will be displayed for “Base +Employment Income (includes self- +employment)”. Since there will be a single +row, the “Vendor and Report Type” and +“Report ID” fields will be populated with the +values for both reports. + +Fannie Mae Confidential and Proprietary + +© 2020 Fannie Mae 9.30.20 Page 1 of 2 + +Message +ID + +Message +Name + +Parameter(s) + +Current Behavior + +After the Release + +Income”, even though the borrower reports a +single base income amount in DU. + +3419 + +Borrower + +DVS-PENSION- +RETIREMENT- +INCOME- +VALIDATED diff --git a/chunks/txt/04be3f32551c42276e97f88c5d10dde3154308d51f2f28afaf8d29e6484dabcc.txt b/chunks/txt/04be3f32551c42276e97f88c5d10dde3154308d51f2f28afaf8d29e6484dabcc.txt new file mode 100644 index 0000000000000000000000000000000000000000..ebdfb287a3b871887e8fd888713124c32dabc82e --- /dev/null +++ b/chunks/txt/04be3f32551c42276e97f88c5d10dde3154308d51f2f28afaf8d29e6484dabcc.txt @@ -0,0 +1,81 @@ +2023-007 Overview + +Corrected list of legacy appraisal forms being replaced by the URAR + +2023-044 Key Concepts + +Clarified instructions for Image paths and structure of zip files + +2023-061 Header and Footer + +Updated DocumentFormIssuingEntityVersionIdentifier + +2023-019 04 Site + +Corrected photo conditionality for Water Frontage with Private Access + +2023-023 04 Site + +Corrected “Note” for LandOwnedInCommonIndicator + +12/12/2023 + +1.1 + +2023-052 04 Site + +2023-053 04 Site + +2023-040 08 Dwelling Exterior + +Corrected Report Label “Primary Access” in Property Access subsection + +Added additional Unique ID and MISMO Data Point Name to “Street Type and +Surface” field in Property Access subsection + +Corrected Report Label “Description of Non-Residential Use/Modification” in +Property Use subsection + +Corrected display rules for ConvertedAreaExistsIndicator (UID: 0300.0079), +ConvertedAreaOriginalUseType (UID: 300.0076), and +ConvertedAreaFinishComparisonType (UID: 300.0076) and added examples + +2023-008 + +09 Manufactured +Home + +Clarified PDF Rendering in Manufactured Home section for ADUs and +Outbuildings + +2023-039 10 Unit Interior + +Updated display rules for FloorIdentifier + +2023-008 10 Unit Interior + +Clarified PDF Rendering in Unit Interior section for ADUs and Outbuildings + +2023-017 12 Outbuilding + +Defined a valid value for OutbuildingTypeOtherDescription of ADUGarage + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 7 + +Date + +Version Change # + +iGuide Chapter + +Revision Description + +2023-024 12 Outbuilding + +Added new screen shot for Mechanical System Details + +2023-033 12 Outbuilding + +Clarified display rules for Outbuilding when it is not real property diff --git a/chunks/txt/04eab6d641ec8997ab1f9fa1ace92b31220ba645db175a189f3644e9f10e6ed5.txt b/chunks/txt/04eab6d641ec8997ab1f9fa1ace92b31220ba645db175a189f3644e9f10e6ed5.txt new file mode 100644 index 0000000000000000000000000000000000000000..4553fe43450276db86cad8478f00d3399bd71055 --- /dev/null +++ b/chunks/txt/04eab6d641ec8997ab1f9fa1ace92b31220ba645db175a189f3644e9f10e6ed5.txt @@ -0,0 +1,69 @@ +BILLING CODE 6715–01–M + +FEDERAL HOUSING FINANCE +AGENCY + +[No. 2010–N–10] + +Notice of Order: Revisions to +Enterprise Public Use Database + +AGENCY: Federal Housing Finance +Agency. +ACTION: Notice of order. + +SUMMARY: Section 1323(a)(1) of the +Federal Housing Enterprises Financial +Safety and Soundness Act of 1992 +(Safety and Soundness Act), as +amended, requires the Federal Housing +Finance Agency (FHFA) to make +available to the public the non- +proprietary single-family and +multifamily loan-level mortgage data +elements submitted to FHFA by the +Federal National Mortgage Association +(Fannie Mae) and the Federal Home +Loan Mortgage Corporation (Freddie +Mac) (collectively, the Enterprises) in +their mortgage reports required under +their charter acts. This responsibility to +maintain a public use database (PUDB) +for such mortgage data was transferred +to FHFA from the U.S. Department of +Housing and Urban Development (HUD) +pursuant to sections 1122, 1126 and +1127 of the Housing and Economic +Recovery Act of 2008 (HERA), and was +expanded to include data elements +required to be reported under the Home +Mortgage Disclosure Act of 1975 +(HMDA). + +Specifically, section 1126 of HERA +amended section 1323 of the Safety and +Soundness Act by requiring that the +Enterprises’ mortgage reports include +the data elements required to be +reported under HMDA at the census +tract level, and that such data elements +be disclosed to the public. In addition, +section 1127 of HERA amended section +1326 of the Safety and Soundness Act +by requiring that, subject to privacy +considerations as described in section +304(j) of HMDA, the Director of FHFA +shall, by regulation or order, provide +that certain information relating to +single-family mortgage data of the +Enterprises shall be disclosed to the +public in order to make available to the +public—(1) the same data from the +Enterprises that is required of insured +depository institutions under HMDA; +and (2) information collected by the +Director of FHFA under section +1324(b)(6) of the Safety and Soundness +Act, as amended, for the purpose of +comparing the characteristics of high- +cost securitized loans. diff --git a/chunks/txt/04fc4bc0bc77f9223cd12ea9a8c3e1552f2f16e6027a52e783d1ee4a6980aad5.txt b/chunks/txt/04fc4bc0bc77f9223cd12ea9a8c3e1552f2f16e6027a52e783d1ee4a6980aad5.txt new file mode 100644 index 0000000000000000000000000000000000000000..3b51c0276ccee85f380be7cde678bae1f613457e --- /dev/null +++ b/chunks/txt/04fc4bc0bc77f9223cd12ea9a8c3e1552f2f16e6027a52e783d1ee4a6980aad5.txt @@ -0,0 +1,147 @@ +SubjectListing + +The subject property was marketed on the local Multiple Listing Service for a total of 30 days before accepting a contract offer; this time frame meets current market norms. No other recent listings of the subject were discovered during my research. + +HighestAndBestUse + +Additional commentary can be added here, if needed by Appraiser. + +OverallQualityAndCondition + +The subject unit has received recent, extensive updating throughout, which translates to Q3 and C3. + +SubjectPriorSalesAndTransferHistory + +A search of local MLS reveal no recent listings or transfers of the subject property. + +ComparablesPriorSalesAndTransferHistory + +Comp #1's prior transfer indicates an increasing market (to its most recent sale price) as documented in the Market section of this report. + +VehicleStorage + +Additional commentary can be added here, if needed by Appraiser. + +false + +Utilize this subsection for additional commentary as required by USPAP. + +AsIs + +2019-08-28 + +Maximum + +60 + +30 + +ReasonableExposureTime + +548999 + +false + +432981-12 + +false + +Other + +Not Applicable due to property type + +false + +false + +true + +URAR Delivery Specification v1.3 + +InteriorAndExterior + +SORSSYS + +SORS Appraisal Systems + +1.5 + +SORS + +Your Bank + +258 Boat St + +Nowhere + +21211 + +MD + +Lender + +Client + +Annie + +Appraiser + +238 Sand St, SW + +Washington + +20210 + +DC + +XYZ Appraisers + +CertifiedGeneral + +2020-02-28 + +294210393 + +DC + +Appraiser + +AppraisalFee + +0 + +John + +Jones + +Borrower + +Mary + +Jones + +Borrower + +Harry + +Smith + +PropertySeller + +PropertyOwner + +Bill + +Smith + +PropertySeller + +PropertyOwner + +Valuation + +2019-08-28 + +\\Coop1_Appraisal_v1.3.pdf + +application/pdf diff --git a/chunks/txt/0503b3b8bf66f905816ec3e7648893c409e30d039962250cef15e567d1f73025.txt b/chunks/txt/0503b3b8bf66f905816ec3e7648893c409e30d039962250cef15e567d1f73025.txt new file mode 100644 index 0000000000000000000000000000000000000000..4f816014e29c9599892729b4983927138c7ea2bb --- /dev/null +++ b/chunks/txt/0503b3b8bf66f905816ec3e7648893c409e30d039962250cef15e567d1f73025.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/mortgage-translations/covid-19-resources" +date_accessed: "2026-01-27T17:48:01.356Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/0527c411c1466f54479b8406d38409a8cbfe2d7ca11b51aa6e5880a736bc1318.txt b/chunks/txt/0527c411c1466f54479b8406d38409a8cbfe2d7ca11b51aa6e5880a736bc1318.txt new file mode 100644 index 0000000000000000000000000000000000000000..f40bb725d0335ce798e55948ecbd80be1891aff7 --- /dev/null +++ b/chunks/txt/0527c411c1466f54479b8406d38409a8cbfe2d7ca11b51aa6e5880a736bc1318.txt @@ -0,0 +1,112 @@ +8.19.2 + +Borrower-Paid + +8.19.2 + +I. Other Costs +Subtotals (E+F+G+H) +Borrower-Paid At +Closing ($) + +8.19.2 + +At Closing + +…/INTEGRATED_DISC +LOSURE_SECTION_S +UMMARY/INTEGRAT +ED_DISCLOSURE_SU +BSECTION_PAYMENT +S/INTEGRATED_DISC +LOSURE_SUBSECTIO +N_PAYMENT + +IntegratedDisclosure +SubsectionPaidByTyp +e + +Buyer + +ROF as “Borrower- +Paid” + +IntegratedDisclosure +SubsectionPaymentA +mount + +IntegratedDisclosure +SubsectionPaymentTi +mingType + +3642.69 + +ROF as “$3,642.69” + +AtClosing + +ROF as “At Closing” + +Second Instance of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT + +8.19.3 + +Borrower-Paid + +8.19.3 + +I. Other Costs +Subtotals (E+F+G+H) +Borrower-Paid +Before Closing ($) + +8.19.3 + +Before Closing + +…/INTEGRATED_DISC +LOSURE_SECTION_S +UMMARY/INTEGRAT +ED_DISCLOSURE_SU +BSECTION_PAYMENT +S/INTEGRATED_DISC +LOSURE_SUBSECTIO +N_PAYMENT + +IntegratedDisclosure +SubsectionPaidByTyp +e + +Buyer + +ROF as “Borrower- +Paid” + +IntegratedDisclosure +SubsectionPaymentA +mount + +1209.96 + +ROF as “$1,209.96” + +IntegratedDisclosure +SubsectionPaymentTi +mingType + +BeforeClosing + +ROF as “Before +Closing” + +1. MAPPI NG GUI DANCE + +8.1 | 8.4 | 8.10 | 8.16 INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL conveys the data points +identifying and providing totals for all the subcategories in the Other Costs table. + +8.19Within the fifth instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL, the value of +IntegratedDisclosureSubsectionType identifies the Other Costs Subtotal heading. + +8.19.2 | 8.19.3 Two instances of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT provide the data points +breaking out the category total by payor (Borrower), timing (At or Before Closing) and amount . If there are no +fees to disclose for a subtotal, the GSEs require a zero to be provided. diff --git a/chunks/txt/052e2f943c652ed85e5172dde2b494cb54c43b17493dc0f5dffa0060d28a1d68.txt b/chunks/txt/052e2f943c652ed85e5172dde2b494cb54c43b17493dc0f5dffa0060d28a1d68.txt new file mode 100644 index 0000000000000000000000000000000000000000..fb64e11d39f880477295e5d48bac0655447120a2 --- /dev/null +++ b/chunks/txt/052e2f943c652ed85e5172dde2b494cb54c43b17493dc0f5dffa0060d28a1d68.txt @@ -0,0 +1,264 @@ +R + +R + +T + +T + +T + +T + +R + +R + +R + +R + +T + +7 + +1 + +8 + +1 + +9 + +1 + +10 + +11 + +1 + +1 + +6 + +7 + +8 + +9 + +SUBJECT + +Property Address + +Property Street +Address + +The unstructured (Unparsed) street +address of the subject property (e.g., 123 +Main Street). + +/VALUATION_RESPONSE/PROPERTY/@_StreetAddress + +60 + +String + +SUBJECT + +City + +Property City + +The city in which the subject property is +located. + +/VALUATION_RESPONSE/PROPERTY/@_City + +40 + +String + +SUBJECT + +State + +Property State + +The state in which the subject property is +located. + +/VALUATION_RESPONSE/PROPERTY/@_State + +2 + +String + +SUBJECT + +Zip Code + +Property Postal +Code + +The postal code (zip code in the US) of +the subject property. Zip code may be +either 5 or 9 digits. + +/VALUATION_RESPONSE/PROPERTY/@_PostalCode + +10 + +String + +10 + +SUBJECT + +Borrower + +GSE Borrower +Name + +The unparsed name(s) of person(s) or non- +person entities that are the borrower(s). + +/VALUATION_RESPONSE/PARTIES/BORROWER/BORROWER_EXT +ENSION/BORROWER_EXTENSION_SECTION[@ExtensionSectionOrga +nizationName='UNIFORM APPRAISAL +DATASET']/BORROWER_EXTENSION_SECTION_DATA/BORROWE +R_NAME/@GSEBorrowerName + +50 + +String + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping + +Page 171 of 211 + +Document Version 1.4 + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point +Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +12 + +13 + +14 + +15 + +16 + +17 + +18 + +19 + +20 + +21 + +22 + +23 + +24 + +25 + +26 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +12 + +13 + +16 + +17 + +18 + +19 + +20 + +21 + +22 + +24 + +25 + +11 + +SUBJECT + +Owner of Public Record diff --git a/chunks/txt/053723a1f81f4040201d8521cab761bede013bccf446600acc685f7f5482b9c0.txt b/chunks/txt/053723a1f81f4040201d8521cab761bede013bccf446600acc685f7f5482b9c0.txt new file mode 100644 index 0000000000000000000000000000000000000000..3b1d6e77b81f29f323f65b431cdc8b14fc298200 --- /dev/null +++ b/chunks/txt/053723a1f81f4040201d8521cab761bede013bccf446600acc685f7f5482b9c0.txt @@ -0,0 +1 @@ +if (window.ytcsi) {window.ytcsi.tick('pdc', null, '');} var ytInitialData = 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House Price Index for 2024 Q4","navigationEndpoint":{"clickTrackingParams":"COICELsvGAAiEwjh9o_Ho6ySAxWgk_8EHTuUNezKAQSjh5VI","commandMetadata":{"webCommandMetadata":{"url":"/watch?v=6jjmqDaB_iA","webPageType" diff --git a/chunks/txt/054e341104defd03b6f5bee613678b3eeadbbdc7e8a331075b02eb43b2a615cd.txt b/chunks/txt/054e341104defd03b6f5bee613678b3eeadbbdc7e8a331075b02eb43b2a615cd.txt new file mode 100644 index 0000000000000000000000000000000000000000..f22dd75c5f0cc2dc264a7fcb3dedb774d2d1ab8f --- /dev/null +++ b/chunks/txt/054e341104defd03b6f5bee613678b3eeadbbdc7e8a331075b02eb43b2a615cd.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy/single-security-initiative-and-common-securitization-platform" +date_accessed: "2026-01-27T17:54:20.449Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/054f389346ac36805aa761bcb3452e56e7a5221db607cbadeccac3ff0fc05917.txt b/chunks/txt/054f389346ac36805aa761bcb3452e56e7a5221db607cbadeccac3ff0fc05917.txt new file mode 100644 index 0000000000000000000000000000000000000000..a5a70c9d3cc861a50f7bd68c7e68add7eee5ce02 --- /dev/null +++ b/chunks/txt/054f389346ac36805aa761bcb3452e56e7a5221db607cbadeccac3ff0fc05917.txt @@ -0,0 +1,157 @@ +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +PROJECT +INFORMATION + +Describe the common elements +and recreational facilities. + +Project Common +Elements +Description + +A free-form text field used to describe +project common elements and recreation +facilities. + +PROJECT +INFORMATION + +Are any common elements +leased to or by the +Homeowners’ Association? +Yes + +Project Common +Elements Leased +Indicator + +Indicates that project common elements +are leased by the project management +(e.g., HOA). + +/VALUATION_RESPONSE/PROPERTY/PROJECT/@_CommonElementsDescr +iption + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElementsLease +dIndicator=‘Y’] + +1 + +Boolean + +This field should be populated if field 1- +173 (Project Developer Controls +Project Management Indicator = 'Y') is +indicated. + +One and only one of fields 2-7, 2-8 +(values of Project Common Elements +Leased Indicator) should be indicated. + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 96 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D diff --git a/chunks/txt/054fd69bc379e801c63bf9b6941c1b8a87176a59d81646e2d4f3e23174b2b602.txt b/chunks/txt/054fd69bc379e801c63bf9b6941c1b8a87176a59d81646e2d4f3e23174b2b602.txt new file mode 100644 index 0000000000000000000000000000000000000000..b76a133d1f045da26bc0adb16dbb32a6f8fd7092 --- /dev/null +++ b/chunks/txt/054fd69bc379e801c63bf9b6941c1b8a87176a59d81646e2d4f3e23174b2b602.txt @@ -0,0 +1,97 @@ +• + +“Company Name,” “Company Address” set as TXR-I, TXR + +Right-hand side of page + +• + +“Credentials” sets as TX-B + +o “ID,” “State,” “Expires” set as TXR-I, TXR + +[Role: Appraiser and Supervisory Appraiser] (H2) + +Subsection repeats for each [Role] if applicable per iGuide. + +Left-hand side of page + +• + +• + +• + +• + +“Name,” “Designation,” “Company Name,” “Company Address” set as TXR-I, TXR + +“Scope of Inspection by [Role]” sets as TX-B + +“Subject Property Inspection,” sets as TXR-I + +“Exterior,” Interior,” “Inspection Date” set as TXR-II, TXR + +Right-hand side of page + +• + +• + +• + +“Credentials” sets as TX-B + +“Level,” “ID,” “State,” “Expires” set as TXR-I, TXR + +“ASC Identifier,” “VA Appraiser ID,” “FHA Appraiser ID,” “Employment Type” set as TXR-B, +TXR + +Significant Real Property Appraisal Assistance (H2) + +Left-hand side of page + +• + +“Name” sets as TXR-I, TXR. + +Right-hand side of page + +• + +• + +“Credentials” sets as TX-B. + +“Level,” “ID,” “State,” “Expires” set as TXR-I, TXR. + +Full page width + +• + +“Description” sets TXC-B x 45 picas. + +Assignment Information and Scope of Work Commentary (H1) + +Set Commentary as TXC x 45 picas. + +Appendix E: Report Style Guide + +Page 82 of 90 + +Version 1.4 + +Scope of Work (H1) + +• Starts new page + +• Content sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs. + +Additional Scope of Work (H2) + +• + +“Additional Scope of Work cannot be contrary to the original Scope of Work.” sets as TXC-I Myriad Pro +Italic x 45 picas. + +• Text sets as TXC x 45 picas. diff --git a/chunks/txt/0553aabf6b61d840b15b80cb1e94de4ed9e523f65515a6511eff47fd3dc67719.txt b/chunks/txt/0553aabf6b61d840b15b80cb1e94de4ed9e523f65515a6511eff47fd3dc67719.txt new file mode 100644 index 0000000000000000000000000000000000000000..65b4b25293b7a6c7db9583ffa103fd53d3cb1684 --- /dev/null +++ b/chunks/txt/0553aabf6b61d840b15b80cb1e94de4ed9e523f65515a6511eff47fd3dc67719.txt @@ -0,0 +1,83 @@ +Approaches to Value table + +• Column heads: Column 1 - none, “Sales Comparison Approach,” “Income Approach,” “Cost + +Approach” set as TCH + +• Set 4 equal columns x 45 picas (~44 characters max, per line, per cell) + +• + +“Indicated Value” sets TB Row 1 Column 1; “Reason for Exclusion” sets as TB Row 2 Column 1 + +• Content in table sets as TB + +APPROACHES TO VALUE TABLE + +Appendix E: Report Style Guide + +Page 73 of 90 + +Version 1.4 + +Appraisal Summary (H1) + +Left-hand side of page + +• + +• + +• + +• + +“Contract Price” sets as TXR-B, TXR. + +“Opinion of Market Value” sets as TXR-B, TXR. + +o “(Cooperative Interest)” if applicable sets flush right on 22 picas + +o “Pro Rata Share Calculation Method” sets as TXR-I + +“Market Value Condition” sets as TXR-B, TXR + +“Final Value Condition Statement” sets as TXC-B (bold lead in to Myriad Pro Regular text) X 45 +picas + +Right-hand side of page + +• + +“Reasonable Exposure Time,” “Effective Date of Appraisal,” “FHA REO Insurability Level,” set +as TXR-B, TXR + +Full page width + +• + +“The market value represents the cooperative interest. The cooperative interest is the equity +portion that is over and above the pro rata share of the blanket mortgage(s).” sets as TXC-I x +45 picas + +Client Requested Conditions (H1) + +Client Requested Conditions table + +• + +“Value Condition,” “Marketing or Exposure Time,” “Duration,” “Alternate Opinion of Value” +set as TCH + +• Set 4 equal columns x 45 picas (~44 characters max, per line, per cell) + +• Content in table sets as TB + +CLIENT REQUESTED CONDITIONS TABLE + +Full page width + +• + +“Requested Condition Commentary” sets as TXC-B (bold lead in to Myriad Pro Regular text) X +45 picas diff --git a/chunks/txt/055f2147516ca1eabeb9629122528a52605b3ec81940978f5182a2254261a1ff.txt b/chunks/txt/055f2147516ca1eabeb9629122528a52605b3ec81940978f5182a2254261a1ff.txt new file mode 100644 index 0000000000000000000000000000000000000000..335f12d403ef962334e5b55a168d681fafabf5ab --- /dev/null +++ b/chunks/txt/055f2147516ca1eabeb9629122528a52605b3ec81940978f5182a2254261a1ff.txt @@ -0,0 +1,96 @@ +4.022 + +Known +Maintenance +Agreement + +Required if Primary +Access to Property is +Private Street + +Yes | No + +4.023 + +4.024 + +Typical for +Market + +Description of +Property Access + +Always required + +Yes | No + +Free-form + +Required if Access to +Property Typical for +the Market is No, or as +needed + +Definition / Additional Guidance + +Street(s) Used to Access Property: The means of direct access and exit for all +roads to and from the property. +• +• +• +• +• +• +• +• + +Alley +Arterial Street +Collector Street +Cul-de-sac +Dead End +Local Road +Rural Road +Other (Describe) + +Note: For condominiums, cooperatives, and condops, reference published +guidelines by the GSEs, government agencies, or other identified secondary +market participants for specific guidance. + +Street Surface Material +• +• +• +• +• +• +• +Note: If the street is made of multiple materials, choose the predominant one. + +Asphalt +Brick +Concrete +Cobblestone +Dirt +Gravel +Other (Describe) + +Indicates whether there is an enforceable maintenance agreement for a private +street used to access the property that is known to the appraiser. + +Notes: +• +• + +Select Yes if the private street is maintained by the HOA or PUD. +An image of the maintenance agreement may be provided, which displays +in Site Exhibits. A caption must be provided to identify the image as being +of a maintenance agreement, and any other descriptive information as +appropriate. + +Access to Property Typical for the Market: Indicates whether the property +access is common in the market location. + +Description of the access to the property including why it is not typical for the +market. Additional commentary to include details and other information may +be provided. diff --git a/chunks/txt/056178eb559b9d8f279cc7ff4ee16e97e2c27b0ac18ea5622a00842e7460dbc0.txt b/chunks/txt/056178eb559b9d8f279cc7ff4ee16e97e2c27b0ac18ea5622a00842e7460dbc0.txt new file mode 100644 index 0000000000000000000000000000000000000000..722946b895f100829433a33325bc16d4e4d48060 --- /dev/null +++ b/chunks/txt/056178eb559b9d8f279cc7ff4ee16e97e2c27b0ac18ea5622a00842e7460dbc0.txt @@ -0,0 +1,64 @@ +• Content sets as TB. + +COMPARABLE TRANSFER HISTORY TABLE + +Full page width + +• + +“Analysis of Prior Sale and Transfer History of Comparable Sales” set as TXC-B (bold lead in to +Myriad Pro Regular text) X 45 picas. + +Prior Sale and Transfer History Exhibits (H1) + +Subsection does not display if there are no exhibits. + +• Starts new page. + +• + +“Sales Comparison Approach” sets as TAB. + +Sales Comparison Approach Table + +Cell Display + +There are five types of cells that can be included in the Subject and Comparable columns that make up the body +of the table (this does not include the heading rows). + +Type 1: + +9 picas 0 points wide, with a 10% Black fill (grayed out). + +Type 2: + +9 picas 0 points wide, with content (TB), if applicable. + +Type 3: + +5 picas 3 points wide, with content (TB), if applicable. + +Type 4: + +3 picas 6 points wide, with dollar figure content (TB), when the row is adjustable. + +Type 5: + +3 picas 6 points wide, with a 10% Black fill (grayed out), when the row is not adjustable. + +Appendix E: Report Style Guide + +Page 59 of 90 + +Version 1.4 + +SALES COMPARISON APPROACH TABLE (PARTIAL – FOR VISUAL ONLY) + +In the Subject Property column, two of the five types of cells appear. + +Type 1: 9 picas 0 points wide, with a 10% Black fill (grayed out), no content for the following rows: “Data + +Source,” “Proximity to Subject,” “Sale Price,” “Transfer Terms,” “Financing Type, “Sale Date, “Sale to +List Price Ratio,” ”Same Builder as Subject,” “Sale Price,” “Net Adjustment Total,” “Adjusted Price +Per Unit,” “Adjusted Price Per Bedroom,” “Price Per Gross Building Finished Area,” “Price Per +Finished Area Above Grade,” “Adjusted Price,” “Comparable Weight” diff --git a/chunks/txt/056612fc026edf8c8a8a1093b03d7e4f7c30710c5ac5e45aba2056261dfa6516.txt b/chunks/txt/056612fc026edf8c8a8a1093b03d7e4f7c30710c5ac5e45aba2056261dfa6516.txt new file mode 100644 index 0000000000000000000000000000000000000000..fbc6bf69e797e3522c6af5de7a5d6c6e06140af5 --- /dev/null +++ b/chunks/txt/056612fc026edf8c8a8a1093b03d7e4f7c30710c5ac5e45aba2056261dfa6516.txt @@ -0,0 +1,14 @@ +(cid:28)(cid:17)(cid:19)(cid:21)(cid:26)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:28)(cid:17)(cid:19)(cid:21)(cid:26)(cid:17)(cid:21)(cid:3) + +(cid:28)(cid:17)(cid:19)(cid:20)(cid:19)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:28)(cid:17)(cid:19)(cid:20)(cid:19)(cid:17)(cid:21) + +(cid:28)(cid:17)(cid:19)(cid:20)(cid:26)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:28)(cid:17)(cid:19)(cid:20)(cid:26)(cid:17)(cid:21) + +(cid:28)(cid:17)(cid:19)(cid:20)(cid:27)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:28)(cid:17)(cid:19)(cid:20)(cid:27)(cid:17)(cid:21) + +Appraisal Version # + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21) + +(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1) +(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)(cid:1) diff --git a/chunks/txt/056ddd4832470e57119be1ee2b9a49469d6f5afc493834723fb2312bda547f13.txt b/chunks/txt/056ddd4832470e57119be1ee2b9a49469d6f5afc493834723fb2312bda547f13.txt new file mode 100644 index 0000000000000000000000000000000000000000..7b305a6f4d77b7cc769c31917f351717154b75bc --- /dev/null +++ b/chunks/txt/056ddd4832470e57119be1ee2b9a49469d6f5afc493834723fb2312bda547f13.txt @@ -0,0 +1,63 @@ +Used to indicate by name the type of +identifier represented by +AppraisersAdditionalFileIdentifier. + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier + +50 + +String + +Used to specify the title of a report. + +/VALUATION_RESPONSE/REPORT/@_TitleDescription + +This field occurs on every page of the form and must be consistent. The placement +of the header on the form varies from vendor to vendor. The print reference +placement on Appendix C is not required and is for illustrative purposes only. +This field occurs on every page of the form and must be consistent. The placement +of the header on the form varies from vendor to vendor. The print reference +placement on Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms vendor +software. + +This field may not exist in all forms vendor +software. + +This field occurs on every page of the form and must be consistent. The placement +of the header on the form varies from vendor to vendor. + +50 + +50 + +String + +String + +/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier +Name + +50 + +String + +This field occurs on every page of the form and must be consistent. The placement +of the header on the form varies from vendor to vendor. The print reference +placement on Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms vendor +software. + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier + +50 + +String + +Used to specify the title of a report. + +/VALUATION_RESPONSE/REPORT/@_TitleDescription diff --git a/chunks/txt/0577c644eaf8ac673baf5bd6e912274aa52b583c04d7b39da54771df8d5eb554.txt b/chunks/txt/0577c644eaf8ac673baf5bd6e912274aa52b583c04d7b39da54771df8d5eb554.txt new file mode 100644 index 0000000000000000000000000000000000000000..f6345cb4b401e982a58be9be95eacc0903397620 --- /dev/null +++ b/chunks/txt/0577c644eaf8ac673baf5bd6e912274aa52b583c04d7b39da54771df8d5eb554.txt @@ -0,0 +1,125 @@ +Non-Residential Use + +None + +Property Access +Primary Access +Street Type and Surface +Typical for Market + +Public Street +Collector Street | Asphalt +Yes + +Description of Property Access Subject fronts onto a collector +street. + +Check #A + +Site Influence + +Influence +Busy Roadway + +Proximity +Bordering + +Detail + +Impact +Adverse + +Comment +Site fronts to a collector +street through the +community, which has higher +density traffic impacting +subject’s marketability. + +Site Influence Commentary Additional commentary can be added here, if needed by Appraiser. + +View and Impact to Value/Marketability + +View +Residential + +Range of View +Full + +Impact +Neutral + +View Commentary Additional commentary can be added here, if needed by Appraiser. + +Site Features and Impact to Value/Marketability + +Feature +Hazard Zone + +Detail +USGS Lava Flow Zone 2 + +Impact +Adverse + +Comment +There is volcanic activity in the Puna District on the +southeast portion of the island of Hawaii. + +Site Features Commentary Additional commentary can be added here, if needed by Appraiser. + +Utilities and Impact to Value/Marketability + +Broadband Internet Available + +Yes + +Electricity + +Sanitary Sewer + +Water + +Public + + + + +Private + +Detail + +Private Utility +Impact + +Comment + + + +Cesspool + +Neutral + +Cesspools are typical in this jurisdiction. + +If more + +than 1 + +Unit-- + +different + +set up + +Apparent Defects, Damages, Deficiencies (Site) + +None + +Site Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report diff --git a/chunks/txt/05865e945ae4bf2c74e5ff88176699f17cd7c7b64c4aa6a20000733a5806231c.txt b/chunks/txt/05865e945ae4bf2c74e5ff88176699f17cd7c7b64c4aa6a20000733a5806231c.txt new file mode 100644 index 0000000000000000000000000000000000000000..687d82dfa321d8d671c9be99883ed8335b7ede9f --- /dev/null +++ b/chunks/txt/05865e945ae4bf2c74e5ff88176699f17cd7c7b64c4aa6a20000733a5806231c.txt @@ -0,0 +1,135 @@ +SF CTF + +29 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +Census Tract File + +Header Name + +Field Name + +Values + +Description / Comments + +Federal Housing +Finance Agency + +Field # Field +Width +2 + +52 + +score_coborr_model + +Credit Score Model - Co- +Borrower + +1 = Equifax Beacon 5.0 +2 = Experian Fair Isaac +3 = FICO Risk Score Classic 04 +4 = FICO Risk Score Classic 98 +5 = VantageScore 2.0 +6 = VantageScore 3.0 +7 = More than one credit scoring model +8 = Other credit scoring model +9 = Not applicable +10 = No co-applicant +11 = FICO Score 9 +12 = FICO Score 8 +13 = FICO Score 10 +14 = FICO Score 10T +15 = VantageScore 4.0 +99 = Unknown + +10 = Less than 20 percent +20 = 20 to less than 30 percent +30 = 30 to less than 36 percent +Actual value = 36 to 49 percent +50 = 50 to 60 percent +60 = Greater than 60 percent +99 = Not available +999999 = Not available/Not applicable Discount points is reported as dollars. + +53 + +2 + +dti_cat + +Debt-to-Income (DTI) +Ratio + +54 + +55 + +6 + +3 + +SF CTF + +points + +Discount Points + +period_intro_rate + +Introductory Rate Period 999 = Not available/Not applicable + +Months + +30 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +Census Tract File + +Header Name + +Field Name + +Values + +Description / Comments + +Federal Housing +Finance Agency + +Field # Field +Width +1 + +56 + +57 + +58 + +9 + +1 + +mh_land_interest + +Manufactured Home – +Land Property Interest + +property_value + +Property Value + +1 = Direct ownership +2 = Indirect ownership +3 = Leasehold or ground rent +5 = Not applicable +9 = Unknown +999999999 = Not available diff --git a/chunks/txt/058994bc6db6a66cffd7c55ddf50d4d432d8e8580ceac3f7204b6d467c35a584.txt b/chunks/txt/058994bc6db6a66cffd7c55ddf50d4d432d8e8580ceac3f7204b6d467c35a584.txt new file mode 100644 index 0000000000000000000000000000000000000000..206689f0821e89d4186f52bb835a1ec5db2ed3a1 --- /dev/null +++ b/chunks/txt/058994bc6db6a66cffd7c55ddf50d4d432d8e8580ceac3f7204b6d467c35a584.txt @@ -0,0 +1,54 @@ +8.17.3 + +8.17.4 + +8.17.5 + +a. Deep Dive - Recording Fees + +i. Deed: <$> Mortgage: <$> + +The ucd:FeeItemType enumerations “RecordingFeeForDeed” and “RecordingFeeForMortgage” have the following unique + +characteristics. They are: + +1. The ONLY recording fees that require itemization are pre-printed on the CD field ID 8.2 and 8.2.1: Recording +Fees for Deed and Mortgage. A transaction can incur either one or both of these fees. Additional recording +fee items do not need to be included. + +2. The ONLY fees where the total amount for each fee is shown, regardless of who paid them. + +3. The ONLY fee types that use FeeActualTotalAmount. + +4. The ONLY fee types that do NOT use FeeActualPaymentAmount. + +ii. The Invisible Fee Type: Recording Fee Total + +The ucd:FeeItemType enumeration “RecordingTotal” has the following unique characteristics. They are: + +1. The ONLY Recording Fee Type that is not listed on the left side of the CD + +2. The ONLY Recording Fee Type whose Fee Actual Payment Amount(s) represent fee amounts that are + +reported with other Fee Types (Recording Fee For Deed / Recording Fee For Mortgage). + +3. The ONLY Recording Fee Type whose Fee Actual Payment Amount also can include amounts for fees that are + +not reported at all + +UCD v2.0 Implementation Guide + +- 92 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +4. The FeeActualPaymentAmount reflects the sum of all recording fees including the amounts for + +“RecordingFeeForDeed” and “RecordingFeeForMortgage” PLUS any amounts for additional recording fee +line items that may or may not be itemized on the CD. + +iii. Supported but Not Preferred – Additional Recording Fee Line Items diff --git a/chunks/txt/058d572dd0ae5307d2ba84785156b7d7ace0e5ed8c8fc508cb6a24d3a8340489.txt b/chunks/txt/058d572dd0ae5307d2ba84785156b7d7ace0e5ed8c8fc508cb6a24d3a8340489.txt new file mode 100644 index 0000000000000000000000000000000000000000..947b86baae10a3ee87898743d6aff63ebb743b50 --- /dev/null +++ b/chunks/txt/058d572dd0ae5307d2ba84785156b7d7ace0e5ed8c8fc508cb6a24d3a8340489.txt @@ -0,0 +1,40 @@ +Figure 6 - 4 + +Page 147 + +Energy Efficient and Green Features Impact to Value/Marketability + +The Energy Efficient and Green Features Impact to Value/Marketability subsection always displays in the Energy Efficient and Green +Features section. The ValueMarketabilityImpactType (UID: 2600.0027, FID: 6.014) is conditionally required. Any commentary can be provided +using EnergyEfficientAndGreenDescription (UID: 2600.0026, FID: 6.015). (Figure 6 - 5) + +• Display Impact to Value/Marketability ValueMarketabilityImpactType (UID: 2600.0027, FID: 6.014) when: + +o RenewableEnergyComponentExistsIndicator = “true” OR +o GreenCertificationExistsIndicator = “true” OR +o EfficiencyRatingExistsIndicator = “true” + +• When ValueMarketabilityImpactType (UID: 2600.0027, FID: 6.014) = “Adverse”, the Description + +EnergyEfficientAndGreenDescription (UID: 2600.0026, FID: 6.015) must display. + +• When ValueMarketabilityImpactType (UID: 2600.0027, FID: 6.014) <> “Adverse”, the Description + +EnergyEfficientAndGreenDescription (UID: 2600.0026, FID: 6.015) will display if provided. + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 6 - 5 + +Page 148 + + + + +true +The solar panels are leased and therefore not considered part of the real property. The lease is +transferable when the subject is sold, however there is no measurable impact on value or marketability as the decision to transfer +the lease would be the personal preference of any purchaser of the property. +false +true +Neutral diff --git a/chunks/txt/059c3b0a2b6f02d39d502677c78e3a4a4bfc076cc24e7139a5ccd474dcb33484.txt b/chunks/txt/059c3b0a2b6f02d39d502677c78e3a4a4bfc076cc24e7139a5ccd474dcb33484.txt new file mode 100644 index 0000000000000000000000000000000000000000..d3f5ec704d40d2cd80a159927561796e098b5241 --- /dev/null +++ b/chunks/txt/059c3b0a2b6f02d39d502677c78e3a4a4bfc076cc24e7139a5ccd474dcb33484.txt @@ -0,0 +1,121 @@ +Price Per Finished Area +Above Grade is only +applicable to +comparables + +No + +Calculated: Price / Gross Building Finished Area 22.05.25 + +Price is defined as follows in this calculation: +• +• +• + +Use Sale Price if the comparable is a settled sale. +Otherwise, use Contract Price if known. +Otherwise, use List Price. + +No + +Calculated: Price / (Finished Area Above Grade 22.07.30 + Finished Area +Above Grade (Nonstandard) 22.07.32 for all units including ADUs) + +Price is defined as follows in this calculation: +• +• +• + +Use Sale Price if the comparable is a settled sale. +Otherwise, use Contract Price if known. +Otherwise, use List Price. + +Note: +• + +Noncontinuous finished area is not included. + +22.15.13 Adjusted Price Always + +Always required + +Dollar amount + +Adjusted Price is only +applicable to +comparables + +No + +Adjusted Price of Comparable +Calculated: +• +• + +Sale Price + Net Adjustment Total (if Listing Status is Settled Sale) +List Price + Net Adjustment Total (if Listing Status is not Settled +Sale) + +Appendix F-1: URAR Reference Guide + +Page 274 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report +Field ID + +22.15.14 + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Summary + +Comparable +Weight + +Always + +Always required + +Choose an +allowable answer +from table +(Comparable +Weight) + +Comparable Weight is +only applicable to +comparables + +No + +Comparable Weight: The relative emphasis given to the comparable by +the appraiser in determining the indicated value by the sales comparison +approach. +• Most +• +Less +• +No Weight diff --git a/chunks/txt/059cc2e8d55c61f13292fed27bb1daea81bc4055ad5dc8907c89aa627f8d73cf.txt b/chunks/txt/059cc2e8d55c61f13292fed27bb1daea81bc4055ad5dc8907c89aa627f8d73cf.txt new file mode 100644 index 0000000000000000000000000000000000000000..0431bb173f692a5f502cbdf32e41d72d35caf908 --- /dev/null +++ b/chunks/txt/059cc2e8d55c61f13292fed27bb1daea81bc4055ad5dc8907c89aa627f8d73cf.txt @@ -0,0 +1,105 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix C‐3: Completion Report without Report Field IDs +Document Version 1.2 +September 17, 2024 + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the +Federal Housing Finance Agency. +© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +Revision History + +Date + +9/17/2024 +12/12/2023 + +Version +Number +1.2 +1.1 + +Report Section + +Change # + +Revision Description + +Footer +Footer +Certifications +and Scope of +Work + +2024‐028 +2023‐061 + +Updated date in Footer to September 2024. +Updated date in Footer to December 2023. + +2023‐003 + +Updated predefined text for all Supervisory Appraiser Certifications. + +3/29/2023 + +1.0 + +Initial publication + +Introduction + +The purpose of this document is to show all possible Report Labels that may display on the Completion +Report, regardless of conditionality. This is not intended to represent a realistic report as a Completion +Report will never contain all of the available fields in one report. + +Term +Report Label + +Definition +The name of the field as shown on the Completion Report. + +Subject Property + +Physical Address +County + +Legal Description + +Original Appraisal + +Effective Date of Appraisal +Opinion of Market Value +Market Value Condition + +Final Value Condition Statement + +Itemized List of Repairs + +Appraiser + +Reference ID +Original Lender + +Feature + +Location + +Description + +Affects +Soundness +or Structural +Integrity + +Repair +Completed + +Inspection Date + +Completion +Comment + +New Observed Items for Repair diff --git a/chunks/txt/05a14f4cd0353029d5eff0d8ee6f3dea372dde2716b3d3c958f05909a7f010c8.txt b/chunks/txt/05a14f4cd0353029d5eff0d8ee6f3dea372dde2716b3d3c958f05909a7f010c8.txt new file mode 100644 index 0000000000000000000000000000000000000000..760644cf64d17acc0757c8084fef90d60190894f --- /dev/null +++ b/chunks/txt/05a14f4cd0353029d5eff0d8ee6f3dea372dde2716b3d3c958f05909a7f010c8.txt @@ -0,0 +1,23 @@ +1. Mapping Guidance ............................................................................................................................................................. 132 +8.10 Initial Escrow Payment at Closing ......................................................................................................................................133 +8.15 Aggregate Adjustment ........................................................................................................................................................134 +1. Mapping Guidance ............................................................................................................................................................. 137 +8.16 Other ....................................................................................................................................................................................137 +1. Mapping Guidance ............................................................................................................................................................. 143 +B. For More Information .............................................................................................................................................................143 +9.0 Total Closing Costs.....................................................................................................................................................................144 +A. Mapping Guidance ..................................................................................................................................................................147 +B. For More Information .............................................................................................................................................................147 +10.0 Calculating Cash to Close ........................................................................................................................................................148 +A. Calculating Cash To Close Table Format................................................................................................................................148 +10.1 – 10. 9 Line Item Definitions for the Final Amount...................................................................................................... 148 +10.9 Cash to Close .................................................................................................................................................................. 150 +1. Mapping Guidance ............................................................................................................................................................. 154 +2. For More Information ........................................................................................................................................................ 154 +10.A Alternative Calculating Cash To Close Table .........................................................................................................................154 +10.1 – 10.11 Line Item Definitions for the Final Amount .........................................................................................................155 +10.3 Closing Costs Financed........................................................................................................................................................156 +10.9 Cash to Close .......................................................................................................................................................................156 +A. For More Information .............................................................................................................................................................159 +11.0 – 16.0 Summaries of Transactions - UPDATED......................................................................................................................160 +A. diff --git a/chunks/txt/05ccc6596cf2c3c94ee98e69ab43d12534c6b901ec2998843a361e5f388ba7ca.txt b/chunks/txt/05ccc6596cf2c3c94ee98e69ab43d12534c6b901ec2998843a361e5f388ba7ca.txt new file mode 100644 index 0000000000000000000000000000000000000000..e6d6959126e930a894d2013ad9f622e373f2eb70 --- /dev/null +++ b/chunks/txt/05ccc6596cf2c3c94ee98e69ab43d12534c6b901ec2998843a361e5f388ba7ca.txt @@ -0,0 +1,20 @@ +Washington, D.C. – U.S. Federal Housing (Federal Housing Finance Agency or FHFA) today announced the deemed-issuance ratio for the 2026 calendar year in accordance with Internal Revenue Service (IRS) guidelines on the trading of the Uniform Mortgage-Backed Security (UMBS). The deemed-issuance ratio... + - News Release + +November 25, 2025 + +## [FHFA Announces Conforming Loan Limit Values for 2026](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026) + +Washington, D.C. – U.S. Federal Housing (FHFA) today announced the conforming loan limit values (CLLs) for mortgages Fannie Mae and Freddie Mac (the Enterprises) will acquire in 2026. In most of the United States, the 2026 CLL value for one-unit properties will be $832,750, an increase of $26,250... + - News Release + +November 25, 2025 + +## [U.S. House Prices Rise 2.2 Percent Year over Year; Up 0.2 percent Quarter over Quarter](/news/news-release/u.s.-house-prices-rise-2.2-percent-year-over-year-up-0.2-percent-quarter-over-quarter) + +Washington, D.C. – U.S. house prices rose 2.2 percent between the third quarter of 2024 and the third quarter of 2025, according to the U.S. Federal Housing (FHFA) House Price Index (FHFA HPI®). House prices for the third quarter of 2025 rose 0.2 percent compared to the second quarter of 2025. FHFA... + - News Release + +November 24, 2025 + +## [U.S. Federal Housing Announces 2026 Multifamily Loan Purchase Caps for Fannie Mae and Freddie Mac](/news/news-release/u.s.-federal-housing-announces-2026-multifamily-loan-purchase-caps-for-fannie-mae-and-freddie-mac) diff --git a/chunks/txt/05ce52c34cdb04a1d916759a470b92141fa3f837bf62f4bdfb4c533b7898653f.txt b/chunks/txt/05ce52c34cdb04a1d916759a470b92141fa3f837bf62f4bdfb4c533b7898653f.txt new file mode 100644 index 0000000000000000000000000000000000000000..9e642689bc53d6fedbaf193597115a03ee249e3e --- /dev/null +++ b/chunks/txt/05ce52c34cdb04a1d916759a470b92141fa3f837bf62f4bdfb4c533b7898653f.txt @@ -0,0 +1,22 @@ +9. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources +that I believe to be true and correct. + +10. I personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily observable +condition of the improvements in factual, specific terms. I identified and reported any known physical deficiencies that could affect the +soundness or structural integrity of the property. + +11. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were +adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal +report was transmitted. + +12. Using information available in the normal course of business, I researched, verified, analyzed, and reported on any current agreement for +sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and +the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal. + +13. Using information available in the normal course of business, I researched, verified, analyzed, and reported on the prior sales of the +comparable sales for a minimum of one year prior to the date of sale of the comparable sale. + +14. I based my valuation on the available properties that are most similar to the subject property. + +15. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been +built or will be built on the land. diff --git a/chunks/txt/05e90f797fd6b973d4961baba97ec6f7f125cd089d556851600a59885f66a6f8.txt b/chunks/txt/05e90f797fd6b973d4961baba97ec6f7f125cd089d556851600a59885f66a6f8.txt new file mode 100644 index 0000000000000000000000000000000000000000..54a6a03ef3a7b60b1ca24eec30468db061f7c96a --- /dev/null +++ b/chunks/txt/05e90f797fd6b973d4961baba97ec6f7f125cd089d556851600a59885f66a6f8.txt @@ -0,0 +1,3 @@ +Subject Transfer History ........................................................................................................................................................................................................... 269 + +Comparable Transfer History ................................................................................................................................................................................................... 270 diff --git a/chunks/txt/05e935474934fbd1efce2b10895f44f272bf648c2966c79e90c8079166e204dc.txt b/chunks/txt/05e935474934fbd1efce2b10895f44f272bf648c2966c79e90c8079166e204dc.txt new file mode 100644 index 0000000000000000000000000000000000000000..5a7193bcd5cf773b7b43453b2350d1f2d47d7f6b --- /dev/null +++ b/chunks/txt/05e935474934fbd1efce2b10895f44f272bf648c2966c79e90c8079166e204dc.txt @@ -0,0 +1,83 @@ +iii. The term “Alternate Form” is used to refer to TRID “Exhibit H–25(E) Mortgage Loan Transaction Closing + +Disclosure—Refinance Transaction Sample”. The Alternate Form excludes sections pertinent to purchases and +may only be used for refinance transactions. + +UCD v2.0 Implementation Guide + +- 11 - + +Version 1.0 + +Uniform Closing Dataset + +III. XML File Handling + +Table 4. UCD v2.0 Excerpt - XML File Identification Data Requirements. + +UCD UID MISMO v3.3 Data Point/Attribute UCD v2.0 Supported Enumeration + +Implementation Notes + +MESSAGE + +0.001 MISMOReferenceModelIdentifier + +3.3.0299 + +0.064 + +xmlns + +http://www.mismo.org/residenti +al/2009/schemas + +This is the only accepted value. MISMO Reference +Model build number governing the data in this +file + +Mutually exclusive with xmlns:mismo (UID 0.002). +If you use this attribute, then the MISMO schema +becomes the target namespace of the file and +MISMO elements in the file should NOT have a +prefix. + +0.002 + +xmlns:mismo + +0.054 + +xmlns:gse + +0.070 + +xmlns:ucd + +http://www.mismo.org/residenti +al/2009/schemas + +Mutually exclusive with xmlns UID 0.064. +If you use this attribute then all MISMO elements +must be prefixed by "mismo:" + +http://www.datamodelextension. +org/Schema/gse + +The gse: namespace is not used with a gse: +schema. The elements in this namespace are +accepted but not validated by schema. + +http://www.datamodelextension. +org/Schema/ucd + +The ucd: namespace MUST be used with the GSE- +provided ucd: schema. The elements in this +namespace must conform to the ucd:xsd they will +not be accepted. + +MESSAGE/ABOUT_VERSIONS/ABOUT_VERSION + +0.010 + +CreatedDatetime diff --git a/chunks/txt/05f4ba399db3e960c3a4404e2780feeb83e5592b8b6af2290ceb5f0b0c3dada1.txt b/chunks/txt/05f4ba399db3e960c3a4404e2780feeb83e5592b8b6af2290ceb5f0b0c3dada1.txt new file mode 100644 index 0000000000000000000000000000000000000000..c7b3aa755840288c94331db0f57f74ec775b504a --- /dev/null +++ b/chunks/txt/05f4ba399db3e960c3a4404e2780feeb83e5592b8b6af2290ceb5f0b0c3dada1.txt @@ -0,0 +1,98 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD +JUSTMENT[@_Type='Other'][3]/@_Description + +SALES +COMPARISON +APPROACH + +Address and +(Line 1) + +Property Street +Address + +The unstructured (Unparsed) street +address of the subject property (e.g., 123 +Main Street). + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@ +PropertyStreetAddress + +SALES +COMPARISON +APPROACH + +Unit # +(Line 2) + +SALES +COMPARISON +APPROACH + +Address +(Line 2) + +SALES +COMPARISON +APPROACH + +Address +(Line 2) + +SALES +COMPARISON +APPROACH + +Address +(Line 2) + +Unit Identifier + +The identification of the unit. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@ +UnitIdentifier + +Property City + +The city in which the subject property is +located. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@ +PropertyCity + +Property State + +The state in which the subject property is +located. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@ +PropertyState + +Property Postal +Code + +The postal code (zip code in the US) of +the subject property. Zip code may be +either 5 or 9 digits. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@ +PropertyPostalCode + +SALES +COMPARISON +APPROACH + +Project Name and + +Project Name + +The name of the project in which subject +property is located (e.g., the name of the +condominium or cooperative). diff --git a/chunks/txt/05f6595dafa5092c5dff8dba757aa6ff4f74cf462802f31425bb3857a1a0cd0b.txt b/chunks/txt/05f6595dafa5092c5dff8dba757aa6ff4f74cf462802f31425bb3857a1a0cd0b.txt new file mode 100644 index 0000000000000000000000000000000000000000..153a1171c47a749483fba826fa0dfbf5e5f0871e --- /dev/null +++ b/chunks/txt/05f6595dafa5092c5dff8dba757aa6ff4f74cf462802f31425bb3857a1a0cd0b.txt @@ -0,0 +1,76 @@ +Are there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? Yes No If Yes, describe +93 + +91 + +92 + +Does the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)? Yes No If No, describe 96 + +95 + +94 + +I did did not research the sale or transfer history of the subject property and comparable sales. If not, explain 99 + +98 + +97 + +100 + +103 + +101 + +104 + +My research did did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal. +Data source(s) 102 +My research did did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale. +Data source(s) 105 +Report the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3). +COMPARAB LE SALE # 3 +110 +111 +112 +113 + +Date of Prior Sale/Transfer +Price of Prior Sale/Transfer +Data Source(s) +Effective Date of Data Source(s) +Analysis of prior sale or transfer history of the subject property and comparable sales. 114 + +COMPARABLE SALE # 2 +110 +111 +112 +113 + +COMPARABLE SALE # 1 +110 +111 +112 +113 + +SUBJECT +106 +107 +108 +109 + +ITEM + +Freddie Mac Form 466 March 2005 226 + +Page 2 of 6 + +Fannie Mae Form 1075 March 2005 + +2 + +Exterior-Only Inspection Individual Condominium Unit Appraisal Report File # 3 4 4a + . +There are 5 comparable properties currently offered for sale in the subject neighborhood ranging in price from $ 6 to $ 7 +There are 8 comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $ 9 to $ 10 . diff --git a/chunks/txt/05faabab0449d46c0221447dd4fafa21df7e6e8925721c3117ad2ec653ebe443.txt b/chunks/txt/05faabab0449d46c0221447dd4fafa21df7e6e8925721c3117ad2ec653ebe443.txt new file mode 100644 index 0000000000000000000000000000000000000000..2a483c1131fc8db65521861798f8061a17f84d33 --- /dev/null +++ b/chunks/txt/05faabab0449d46c0221447dd4fafa21df7e6e8925721c3117ad2ec653ebe443.txt @@ -0,0 +1,31 @@ +, as of + +Freddie Mac Form 465D April 2022 + +Page 3 of 6 + +Fannie Mae Form1073 Desktop April 2022 + +Individual Condominium Unit Appraisal Report (Desktop) + +File # + +This report form is designed to report an appraisal of a unit in a condominium project or a condominium unit in a planned +unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a +cooperative project. + +This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, +statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended +use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may +expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal +assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do +not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser’s +continuing education or membership in an appraisal organization, are permitted. + +SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the +reporting requirements of this appraisal report form, including the following definition of market value, statement of +assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) obtain and review adequate +and reliable information for the subject property and project including, but not limited to, public and/or private data records, +and information as described by the appraiser in the appraisal report, (2) research, verify, and analyze adequate and +reliable data from public and/or private sources for the subject market area and project, including data for each comparable +property reported, and (3) report his or her analysis, opinions, and conclusions in this appraisal report. diff --git a/chunks/txt/05fd55b2c6f0e5f62589a979bc4dba48be99248ae8a39f07daa096a95b983134.txt b/chunks/txt/05fd55b2c6f0e5f62589a979bc4dba48be99248ae8a39f07daa096a95b983134.txt new file mode 100644 index 0000000000000000000000000000000000000000..a8d9e7ce918802a99321b6c048c297a24bda0707 --- /dev/null +++ b/chunks/txt/05fd55b2c6f0e5f62589a979bc4dba48be99248ae8a39f07daa096a95b983134.txt @@ -0,0 +1,61 @@ +10.291 TotalSubordinateFinancingAmount + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DE +TAIL/EXTENSION/OTHER + +16.015 + +gse:SubordinateFinancingIsNewIndicator + +Figure 90. XML Snippet – Late Charge Data. + + +… + + + + + + + +false +false +true +true +false +true +false +true +false +true +false +true +false +false +19000.00 + + + +false + + + + + +… + + +UCD v2.0 Implementation Guide + +- 116 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +R. LOAN IDENTIFICATION DATA + +Four different loan numbers can be provided in the XML file. LOAN_IDENTIFIER is required once for the Lender Loan Number, +then repeats up to 3 more times if additional loan identifiers are applicable to the transaction. diff --git a/chunks/txt/062d8780265f5c0296b69a18f8a507d66f06d96464e3f0f05976db50db65ed2b.txt b/chunks/txt/062d8780265f5c0296b69a18f8a507d66f06d96464e3f0f05976db50db65ed2b.txt new file mode 100644 index 0000000000000000000000000000000000000000..e5a75f5825639d6f4ba7e13438683ec72eaecbdd --- /dev/null +++ b/chunks/txt/062d8780265f5c0296b69a18f8a507d66f06d96464e3f0f05976db50db65ed2b.txt @@ -0,0 +1,145 @@ +None + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5) + +Uniform Residential Appraisal Report + +Page 2 of 19 +Page 2 of 19 + +Assignment Information + +Assignment Reason +Borrower Name +Current Owner of Public Record + +Refinance +Jane Doe +Jane Doe + +Property Valuation Method + +Traditional Appraisal + +Was a Property Data Report used in lieu of an +Inspection? + +Appraiser Fee + +$0 + +Yes No +  + +STET + +“lieu” l.c. + +Contact Information + +Client/Lender + +Company Name +Company Address + +Appraiser + +Name +Company Name + +Company Address + +Bank of Maryland +81 Cedar Rd +Nowhere, MD 09991 + +John Appraiser + John Appraiser Appraisal +Company +381 Pine St +Anytown, MD 09992 + +Credentials + +Level +ID +State +Expires + +Certified Residential +03-XXXXXX +MD +12/31/2025 + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +Physical +Physical +03/03/2024 + +Subject Property + +Physical Address + +County +Neighborhood Name + +213 Tree Stand Rd +Anytown, MD 09992 +Hill +Hilltop Hills + +Attachment Type +Units Excluding ADUs +Accessory Dwelling Units +Special Tax Assessments + +Detached +1 +0 +No + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Property on Native American Lands +Subject Site Owned in Common +Homeowner Responsible for all Exterior Maintenance +of Dwelling(s) +New Construction + +Yes No +  +  +  +  +  +  +  + +  + +Ownership Rights + +Property Rights Appraised + +Fee Simple + +All Rights Included in Appraisal + +Yes + +Legal Description + +Lot 3 Block 8 Section 2 of Hilltop Hills + +Site + +Total Site Size diff --git a/chunks/txt/0633bd573da7b98b32fa35f11b1cfdf29a997c55bc73bed0fe5a080467306175.txt b/chunks/txt/0633bd573da7b98b32fa35f11b1cfdf29a997c55bc73bed0fe5a080467306175.txt new file mode 100644 index 0000000000000000000000000000000000000000..f8b499cb111bda54c345f5ef43f2eebcb4628d0d --- /dev/null +++ b/chunks/txt/0633bd573da7b98b32fa35f11b1cfdf29a997c55bc73bed0fe5a080467306175.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/991","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":{"\/reports":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"better_exposed_filters":{"datepicker":true,"datepicker_options":[]},"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); })(); diff --git a/chunks/txt/0639e7a452af4a691ec788689c77db7859635213d9c422303a4898fb953df61f.txt b/chunks/txt/0639e7a452af4a691ec788689c77db7859635213d9c422303a4898fb953df61f.txt new file mode 100644 index 0000000000000000000000000000000000000000..cd77e6a8bd69fd11732f539f22de8cbfe72bff1a --- /dev/null +++ b/chunks/txt/0639e7a452af4a691ec788689c77db7859635213d9c422303a4898fb953df61f.txt @@ -0,0 +1,25 @@ +Intended Use + +The intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the +subject of this appraisal for a mortgage finance transaction or related activities. + +Intended User + +The intended user of this appraisal report is the lender/client. + +Definition of Market Value + +The most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the +buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition +is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller +are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best +interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of +financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special +or creative financing or sales concessions* granted by anyone associated with the sale. + +*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for costs that are +normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable because the seller pays these costs in virtually all sales +transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third-party +institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar-for-dollar cost +of the financing or concession, but the dollar amount of any adjustment should approximate the market’s reaction to the financing or concessions based on +the appraiser’s judgment. diff --git a/chunks/txt/064155453f099fadce4c925ee7d3e176f51fa120fb274df4d5d57982c979097d.txt b/chunks/txt/064155453f099fadce4c925ee7d3e176f51fa120fb274df4d5d57982c979097d.txt new file mode 100644 index 0000000000000000000000000000000000000000..532915c55382a1888f9201334cbd0b0a54fbd98f --- /dev/null +++ b/chunks/txt/064155453f099fadce4c925ee7d3e176f51fa120fb274df4d5d57982c979097d.txt @@ -0,0 +1,5 @@ +record_id: 1400079458000 | year: 2014 | weight: 20 | state_fips_2010: 12 | state_fips_2020: NA | county_fips_2010: 12086 | county_fips_2020: NA | tract_fips_2010: 12086004000 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 725000 | sales_range_low: 695000 | updated_last_15_years: 1 | lot_size: 2 | quality: 4 | condition: 3 | bathrooms: 3 | bedrooms: 2 | gross_living_area: 5 | median_adjustment: 6795 | average_adjustment: 2000 | adjusted_price: 555000 | number_comparables: 3 | same_tract_percent: 60 | calculated_proximity: 0.38 | reported_proximity: 0.38 | value_sale_comparison: 555000 | value_cost: 555000 | value_income: NA | appraised_value: 555000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2 +record_id: 1400034373000 | year: 2014 | weight: 20 | state_fips_2010: 47 | state_fips_2020: NA | county_fips_2010: 47141 | county_fips_2020: NA | tract_fips_2010: 47141000900 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 2 | growth_rate: 3 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 185000 | sales_range_low: 155000 | updated_last_15_years: 2 | lot_size: 3 | quality: 3 | condition: 2 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 3 | median_adjustment: 1725 | average_adjustment: -3451 | adjusted_price: 165000 | number_comparables: 3 | same_tract_percent: 40 | calculated_proximity: 1.36 | reported_proximity: 1.37 | value_sale_comparison: 165000 | value_cost: 175000 | value_income: NA | appraised_value: 165000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 1 +record_id: 1400105755000 | year: 2014 | weight: 20 | state_fips_2010: 08 | state_fips_2020: NA | county_fips_2010: 08069 | county_fips_2020: NA | tract_fips_2010: 08069001807 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 335000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 3 | sales_range_high: 455000 | sales_range_low: 335000 | updated_last_15_years: 2 | lot_size: 2 | quality: 4 | condition: 3 | bathrooms: 3 | bedrooms: 2 | gross_living_area: 8 | median_adjustment: -1900 | average_adjustment: -1400 | adjusted_price: 345000 | number_comparables: 3 | same_tract_percent: 100 | calculated_proximity: 0.34 | reported_proximity: 0.34 | value_sale_comparison: 345000 | value_cost: 335000 | value_income: NA | appraised_value: 345000 | appraisal_to_contract: 101.8 | comparison_to_contract: 101.8 | dts_rural: 2 +record_id: 1400040674000 | year: 2014 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06029 | county_fips_2020: NA | tract_fips_2010: 06029003124 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 1 | lot_size: 2 | quality: 4 | condition: 3 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 3 | median_adjustment: 625 | average_adjustment: -1102 | adjusted_price: 175000 | number_comparables: 4 | same_tract_percent: 100 | calculated_proximity: 0.28 | reported_proximity: 0.28 | value_sale_comparison: 175000 | value_cost: 155000 | value_income: NA | appraised_value: 175000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2 +record_id: 1400156463000 | year: 2014 | weight: 20 | state_fips_2010: 45 | state_fips_2020: NA | county_fips_2010: 45019 | county_fips_2020: NA | tract_fips_2010: 45019002101 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 3 | demand_supply: 3 | marketing_time: 2 | sales_range_high: 725000 | sales_range_low: 575000 | updated_last_15_years: 2 | lot_size: 5 | quality: 4 | condition: 4 | bathrooms: 3 | bedrooms: 2 diff --git a/chunks/txt/0641639c3e4be410a8704a61663647f57b96ee9d02d59fff2ade238f61da4e27.txt b/chunks/txt/0641639c3e4be410a8704a61663647f57b96ee9d02d59fff2ade238f61da4e27.txt new file mode 100644 index 0000000000000000000000000000000000000000..6c7d26184a95efded4c9b923a577a5b131a29cfd --- /dev/null +++ b/chunks/txt/0641639c3e4be410a8704a61663647f57b96ee9d02d59fff2ade238f61da4e27.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/conservatorships-performance-goals-scorecard" +date_accessed: "2026-01-27T17:47:56.999Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/064b054970290e08006584fce5b1f2b7b1e2970559e67ce93adbe092e9df5b19.txt b/chunks/txt/064b054970290e08006584fce5b1f2b7b1e2970559e67ce93adbe092e9df5b19.txt new file mode 100644 index 0000000000000000000000000000000000000000..5f5fa96734d6f0cfaea8b21598912c93d899dec4 --- /dev/null +++ b/chunks/txt/064b054970290e08006584fce5b1f2b7b1e2970559e67ce93adbe092e9df5b19.txt @@ -0,0 +1,31 @@ +Business partners who rely on a GSE’s loan delivery system user interface to enter the +new data should check the GSE’s individual Web sites for specific directions and tools for +implementing the ULDDS. + +C. Overview of the MISMO Data Standard + +The Mortgage Industry Standards Maintenance Organization (MISMO®) creates and +governs data standards for the real estate finance industry. The MISMO standard supports +the entire loan life cycle, from origination to servicing to loan delivery and investor +reporting. Use of MISMO standard transactions to support the loan origination process is +widespread. + +The MISMO standard is based on XML (eXtensible Markup Language), a flexible and +widely-used means for transporting and storing data that simplifies the way businesses +exchange electronic information. Version 3.0 (V3.0) of the single family data standard is +represented in XML schema format as a relational message model called the “V3.0 +Reference Model.” The more than 2,000 elements and attributes that make up the V3.0 +Reference Model are documented in the LDD.1 + +An XML schema document is more flexible than either of the current GSE file formats-- +Freddie Mac’s Form 11, Mortgage Submission Schedule, and Form 13SF, Mortgage +Submission Voucher, and Fannie Mae’s 2000-Character Loan Delivery File Format. +Recognizing that adopting a standard file format like the V3.0 Reference Model would +increase operational efficiencies for lenders and the vendors who support them, the GSEs +leveraged the MISMO standard to create the ULDDS. + +1 Note that the MISMO Version 2.6 Appraisal Standard is one of the accepted XML file formats for the Uniform +Collateral Data Portal. At this time, MISMO Version 3.0 does not provide a framework for appraisal report data. +There are several proprietary XML formats in the residential appraisal marketplace, as well as a framework in the +MISMO Version Appraisal Standard. The GSEs’ goal is to accommodate the dominant XML formats currently +used for appraisals. diff --git a/chunks/txt/064e63556d759fe627928ee1f9246bd764f427916f5faf38b054fefc6607d66b.txt b/chunks/txt/064e63556d759fe627928ee1f9246bd764f427916f5faf38b054fefc6607d66b.txt new file mode 100644 index 0000000000000000000000000000000000000000..bde46dfda61bde143b1bafe5289e9617e47e223b --- /dev/null +++ b/chunks/txt/064e63556d759fe627928ee1f9246bd764f427916f5faf38b054fefc6607d66b.txt @@ -0,0 +1,13 @@ +Please note that the FHFA Website Privacy Policy does not extend to, apply to, or have authority over the privacy policy of any commercial social media sites you may visit. Therefore, if you choose to interact with FHFA on a commercial third-party site, please review carefully the third-party’s privacy policy. Click on the following to view the privacy policies of [Facebook](https://www.facebook.com/privacy/policy/), [YouTube](https://policies.google.com/privacy?hl=en), [LinkedIn](https://www.linkedin.com/legal/privacy-policy) and [X](https://twitter.com/en/privacy). + +## 14. Internet Security + +By using this site, you are agreeing to security monitoring and auditing. For security purposes and to ensure that the public service remains available to users, this government computer system employs programs to monitor network traffic to identify unauthorized attempts to upload or change information or to otherwise cause damage, including attempts to deny service to users. + +Unauthorized attempts to upload information and/or change information on any portion of this site are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986 and the National Information Infrastructure Protection Act of 1996 [(18 U.S.C. § 1030)](http://www.law.cornell.edu/uscode/text/18/1030). + +## 15. False Statements and Documents + +If you furnish FHFA with information that you know to be false or misleading, you are subject to prosecution under federal law, specifically [18 U.S.C. § 1001](http://www.law.cornell.edu/uscode/text/18/1001). + +The information you give FHFA may be used against you in any federal, state, local or foreign administrative, civil, or criminal proceeding brought by FHFA or any other agency. You may refuse, in accordance with the rights guaranteed to you by the Fifth Amendment to the Constitution of the United States, to give any information that may tend to incriminate you or subject you to fine, penalty or forfeiture. diff --git a/chunks/txt/06545d0ad4bfadfa72e3b1f704214fb316c193e04a2640800c83775c2ff9b813.txt b/chunks/txt/06545d0ad4bfadfa72e3b1f704214fb316c193e04a2640800c83775c2ff9b813.txt new file mode 100644 index 0000000000000000000000000000000000000000..8816452b95a8adb51f4e827624552c69b2c9dd10 --- /dev/null +++ b/chunks/txt/06545d0ad4bfadfa72e3b1f704214fb316c193e04a2640800c83775c2ff9b813.txt @@ -0,0 +1,107 @@ +Walls and Ceiling + +Overall Update Status for +Flooring + +Detail +Carpet + +Ceramic Tile + +8 Ft. | Flat + +Not Updated + +Quality Comment + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Condition Comment + +Apparent Defects, Damages, Deficiencies (Unit Interior - Building 1 - Unit A) + +None + +Unit Interior Exhibits + +Level 1 - Bath - Full - Bath 1 + +Level 1 - Bath - Full - Bath 2 + +This is where the Unit A Bath 1 photo would display. + +This is where the Unit A Bath 2 photo would display. + +Level 1 - Bedroom - Bedroom 1 + +Level 1 - Bedroom - Bedroom 2 + +This is where the Unit A Bedroom 1 photo would display. + +This is where the Unit A Bedroom 2 photo would display. + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 7 of 26 + +Unit Interior - Building 1 - Unit A (continued) + +Level 1 - Dining Room + +Level 1 - Kitchen + +This is where the Unit A Dining Room photo would display. + +This is where the Unit A Kitchen photo would display. + +Level 1 - Living Room + +This is where the Unit A Living Room photo would display. + +Unit Interior - Building 1 - Unit B + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source + +Level and Room Detail + +1,190 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +Physical Measurement + +Levels in Unit +Floor Number +Occupancy +Utilities Separately Metered +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half + +1 +1 +Tenant +Yes +2 +2 +0 + +Level in Unit +Level 1 + +Grade Level Detail + Above Grade diff --git a/chunks/txt/0662bd9cb2a27ed3fb6cf959c8970ce993e21182f19c18f2173631de0e8b3b4f.txt b/chunks/txt/0662bd9cb2a27ed3fb6cf959c8970ce993e21182f19c18f2173631de0e8b3b4f.txt new file mode 100644 index 0000000000000000000000000000000000000000..be76400589ac5d26cbf4393c336f395c57a59184 --- /dev/null +++ b/chunks/txt/0662bd9cb2a27ed3fb6cf959c8970ce993e21182f19c18f2173631de0e8b3b4f.txt @@ -0,0 +1,143 @@ +Uniform Residential Appraisal Report + +Page 7 of 24 +Page 7 of 24 + +Unit Interior + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source + +1,552 Sq. Ft. +0 Sq. Ft. +1,232 Sq. Ft. +320 Sq. Ft. +Assessor Record +Builder or Developer +MLS +Real Estate Agent +Three-Dimensional Scan + +Levels in Unit +Occupancy +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half + +2 +Vacant +3 +2 +1 + +Below Grade Finish Compared +to Above + +Similar + +Level and Room Detail + +Level in Unit +Level B1 + +Grade Level Detail +Partially Below Grade +Interior and Exterior Access +Walk Out + +Finish +Finished + +Level 1 + +Above Grade + +Unfinished + +Finished + +Area +1,232 Sq. Ft. + +320 Sq. Ft. + +1,552 Sq. Ft. + +Room Summary +1 - Bath - Full +2 - Bedroom +1 - Family Room +1 - Sunroom + +1 - Bath - Full +1 - Bath - Half +1 - Bedroom +1 - Dining Room +1 - Family Room +1 - Kitchen +1 - Mudroom +1 - Office + +Quality and Condition + +Interior Quality Rating + +Q3 + +Interior Condition Rating + +C1 + +The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report + +Kitchen and Bathroom Details + +Room +Kitchen +Level 1 + +Bath - Full +Level 1 + +Bath - Full +Level B1 + +Bath - Half +Level 1 + +Update Status +Fully Updated + +Time Frame +Less than 1 year + +Fully Updated + +Less than 1 year + +Fully Updated + +Less than 1 year + +Quality Comment +Wood framed cabinets, +granite counters, +commercial style +appliances, sink is +located in an oversize +island. + +Separate tub and +shower, large room, tile +on the floor and walls, +granite counters. + +Tile on the floor, walls, +and shower; granite +counters. diff --git a/chunks/txt/06633fddf784a6b984649348c4c22e28e124fe19d5919db03b484d0fb8e629b1.txt b/chunks/txt/06633fddf784a6b984649348c4c22e28e124fe19d5919db03b484d0fb8e629b1.txt new file mode 100644 index 0000000000000000000000000000000000000000..0781ccceb8d01b457c6d787e03e6fe8d952798a1 --- /dev/null +++ b/chunks/txt/06633fddf784a6b984649348c4c22e28e124fe19d5919db03b484d0fb8e629b1.txt @@ -0,0 +1,162 @@ +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +T + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +T + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +T + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 39 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +1 + +1 + +Boolean + +UAD Instruction - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates +that the box has not been checked. + +If a street exists, at least one of fields 1-112, 1- +113 (values of Property Off Site Improvement +Ownership Type) should be indicated. + +Boolean + +UAD Instruction - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates +that the box has not been checked. + +If a street exists, at least one of fields 1-112, 1- +113 (values of Property Off Site Improvement +Ownership Type) should be indicated. + +25 + +String + +UAD Instruction - Refer to Appendix D Site Section +This field should indicate the alley type. The value 'None' should be indicated +if none is present. + +Boolean + +UAD Instruction - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates +that the box has not been checked. + +Boolean + +UAD Instruction - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates +that the box has not been checked. diff --git a/chunks/txt/0663974867a65949bf75d2845dff97de89f7a803353113cbe204a457cd4be156.txt b/chunks/txt/0663974867a65949bf75d2845dff97de89f7a803353113cbe204a457cd4be156.txt new file mode 100644 index 0000000000000000000000000000000000000000..5fd6403885a24152fd69caa09798bf51de9692a4 --- /dev/null +++ b/chunks/txt/0663974867a65949bf75d2845dff97de89f7a803353113cbe204a457cd4be156.txt @@ -0,0 +1,138 @@ +As Is + ++.5 li # + +only in + +Summary + +Effective Date of Appraisal +Assignment Reason +Borrower Name +Current Owner of Public Record +Listing Status + +03/03/2024 +Refinance +Jane Doe +Jane Doe +None + +Property Valuation Method +Appraiser Name + +Traditional Appraisal +John Appraiser + +Property Description + +Construction Method +Attachment Type + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Subject Site Owned in Common + +Site Built +Detached + +Overall Quality +Overall Condition + +Q4 +C3 + +Yes No +  +  +  +  +  + +Yes No +  + +This is where the Dwelling Front photo would display. + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised + +1 +0 +Fee Simple + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? + +Zoning Compliance + +Legal + +Apparent Defects, Damages, Deficiencies Requiring Action + +None + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K + +Uniform Residential Appraisal Report + +Page 2 of 19 +Page 2 of 19 + +Assignment Information + +Assignment Reason +Borrower Name +Current Owner of Public Record + +Refinance +Jane Doe +Jane Doe + +Property Valuation Method + +Traditional Appraisal + +Was a Property Data Report used in lieu of an +Inspection? + +Appraiser Fee + +$0 + +Yes No +  + +STET + +“lieu” l.c. + +Contact Information + +Client/Lender + +Company Name +Company Address + +Appraiser + +Name +Company Name + +Company Address + +Bank of Maryland +81 Cedar Rd +Nowhere, MD 09991 + +John Appraiser + John Appraiser Appraisal +Company +381 Pine St +Anytown, MD 09992 + +Credentials diff --git a/chunks/txt/066601ad707e65ad43843d1badcc72cd46d14111a9631f3ad7107a3c155909ac.txt b/chunks/txt/066601ad707e65ad43843d1badcc72cd46d14111a9631f3ad7107a3c155909ac.txt new file mode 100644 index 0000000000000000000000000000000000000000..e00c62cfbe3322f4a4dede1e27a33e7e6304be44 --- /dev/null +++ b/chunks/txt/066601ad707e65ad43843d1badcc72cd46d14111a9631f3ad7107a3c155909ac.txt @@ -0,0 +1,161 @@ +This appraisal is made “as is”, subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been +completed, subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or subject to the +following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: 133 + +129 + +131 + +130 + +132 + +Based on the defined scope of work, statement of assumptions and limiting conditions, and appraiser’s certification, my (our) opinion of the market value, as +defined, of the real property that is the subject of this report is +$ 134 + +, the effective date of this appraisal. + +135 + +, as of + +S +A +L +E +S + +C +O +M +P +A +R +I +S +O +N + +A +P +P +R +O +A +C +H + +R +E +C +O +N +C +I +L +I +A +T +I +O +N + +Freddie Mac Form 70H July 2020 + +226 + +Page 2 of 6 + +Fannie Mae Form 1004 Hybrid July 2020 + +2 + +5 + +Appraisal Assignment Type + +227 + +Subject Property Data Collection Method + +227 + +Uniform Residential Appraisal Report (Hybrid) + +File # 3 + +4 4a + +Subject Property Data Collection Date +Subject Property Data Collection Workforce + +227 + +227 + +A +D +D +I +T +I +O +N +A +L + +C +O +M +M +E +N +T +S + +C +O +S +T + +A +P +P +R +O +A +C +H + +I +N +C +O +M +E + +P +U +D + +I +N +F +O +R +M +A +T +I +O +N + +Provide adequate information for the lender/client to replicate the below cost figures and calculations. +Support for the opinion of site value (summary of comparable land sales or other methods for estimating site value) 6 + +COST APPROACH TO VALUE (not required by Fannie Mae) + +8 + +REPRODUCTION OR REPLACEMENT COST NEW diff --git a/chunks/txt/06843b5fae19d1fd9c0a447c53dcc7f3d8f3943987af4a33c0eb85e43dce4304.txt b/chunks/txt/06843b5fae19d1fd9c0a447c53dcc7f3d8f3943987af4a33c0eb85e43dce4304.txt new file mode 100644 index 0000000000000000000000000000000000000000..6d77d48f902ad38f34a876b6f266f9ce19890e46 --- /dev/null +++ b/chunks/txt/06843b5fae19d1fd9c0a447c53dcc7f3d8f3943987af4a33c0eb85e43dce4304.txt @@ -0,0 +1,19 @@ +1b. Current Employment/Self Employment and Income +Each borrower will indicate their current job(s) and income in this table. The employer’s name, address, +employee’s position description and telephone are optional across all types of loan. The start date must be +provided for all instances of current employment. The borrower’s time in their line of business is only +consumed by FHA and should be provided to DU in months, regardless of how the borrower indicates it in +the redesigned Form 1003. Refer to the DU Spec and search for more information on employment data +information and conditionality. + +DU expects to receive the data point EmploymentIncomeIndicator as true in the loan application file to +identify income from employment. This indicator is used to differentiate employment income from +other-sourced non-employment income, for which the indicator is false. + +The gross monthly income should be provided by an income type (i.e. base, bonus, etc.) and a corresponding +value. Please refer to the DU Spec for a list of enumerations that DU will accept. In addition, DU will also +accept foreign income and seasonal income. These should be provided in your submission file as indicators +with the corresponding value even though the URLA form does not specify foreign or seasonal income. +The foreign income and seasonal income indicators are in an EXTENSION container under the employment +structure; hence the indicator applies to the employer level not to each income type. Please refer to the DU +Spec for data point notation and to the Frequently Asked Questions for the ULAD for examples. diff --git a/chunks/txt/068907bcb5477e0aecd21fa2599134eba1056e01bff78a1e9488f8d2392aef6d.txt b/chunks/txt/068907bcb5477e0aecd21fa2599134eba1056e01bff78a1e9488f8d2392aef6d.txt new file mode 100644 index 0000000000000000000000000000000000000000..350638e2503410d6438dd318759bab7a6c32fc7f --- /dev/null +++ b/chunks/txt/068907bcb5477e0aecd21fa2599134eba1056e01bff78a1e9488f8d2392aef6d.txt @@ -0,0 +1,60 @@ +Desktop Underwriter/Desktop Originator Integration Impact Memo +DU Version 12.0 July Update + +June 18, 2025 + +During the weekend of July 19, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 12.0. + +Please review this memo, in addition to the Release Notes, to ensure that your integrated system(s) will be prepared to support +this release. + +Copyright Update + +How will this affect my integrated system(s)? + +Integrated systems that parse the DU Underwriting Findings files (XML, Text, Classic HTML, New HTML and PDF) may require +updates to support the update. + +The copyright information included in all versions of the DU Underwriting Findings report will be updated to reflect the following: +Copyright (c) 2025 Fannie Mae. + +Please see the table below for all Findings formats: + +File Format +XML + +Text +Classic HTML +New HTML + +PDF + +Current Copyright + +Updated Copyright + + +Copyright (c) 1994- 2025 Fannie Mae +Copyright (c) 1994- 2025 Fannie Mae +© Fannie Mae 1994-2025. All rights +reserved. +© Fannie Mae 1994-2025. All rights +reserved. + + +Copyright (c) 2025 Fannie Mae. +Copyright (c) 2025 Fannie Mae. +Copyright (c) 2025 Fannie Mae. + +Copyright (c) 2025 Fannie Mae. + +Release Support + +The changes in the DU Version 12.0 July Update will be implemented in the DU Integration environment no later than June 18, +2025. + +If you have questions about the integration impact or if you require support specific to this release, contact your Technology +Integration Analyst or Integration Support. For more information about DU, visit the DU page or contact your Fannie Mae +representative. diff --git a/chunks/txt/069116e0ba09a1fa8521f342315cb659a08a063d7530188a85bb8b410c538574.txt b/chunks/txt/069116e0ba09a1fa8521f342315cb659a08a063d7530188a85bb8b410c538574.txt new file mode 100644 index 0000000000000000000000000000000000000000..e8b9826e70cb876d276cf66021fb350cd794ca5a --- /dev/null +++ b/chunks/txt/069116e0ba09a1fa8521f342315cb659a08a063d7530188a85bb8b410c538574.txt @@ -0,0 +1,107 @@ +13.0053 + +InvestorProductPlanIdentifier + +Implementation Notes + +13.0005 +13.0006 + +IndexSourceType +IndexSourceTypeOtherDescription + +DU Supported Enumerations: Individual +ARM Plan Numbers were replaced with a +link to the DO DU ARM Plan spreadsheet +published on the Technology +Integration page: +https://singlefamily.fanniemae.com/me +dia/document/xls/dodu-arm-plan- +numbers + +Data Points (Removed) + +DU does not use or consider +IndexSourceType and/or +IndexSourceTypeOtherDescription if +provided in the loan application +submission file. + +To avoid confusion, Integrated +System(s) should be updated to no +longer send these data points to DU in +the loan application submission file. + +© 2021 Fannie Mae 08.20.21 + +3 of 6 + +Unique ID + +MISMO v3.4 Data Point Name + +DU Supported +Enumerations + +Update(s) + +20.0004 +20.0005 + +TaxpayerIdentifierValue +TaxpayerIdentifierType + +Conditionality Statement + +Sequence Number (Attribute) + +DU Data Point Format(s) + +4.0319 +4.0002 +4.0306 +4.0307 +5.0261 +5.0262 +5.0263 +5.0264 +5.0254 +6.0227 +8.0184 +8.0189 + +3.0028 + +ProductDescription + +AffordableLTV + +Changed DU Data Point Format to String +30 and removed the AffordableLTV +enumeration + +Implementation Notes updated: +Enter “Standard LCOR” to underwrite a +RefiNow loan casefile as a standard +limited cash-out refinance + +Enter “Affordable LTV” in the Product +Description field to underwrite based on +the appraised value in accordance with +the Selling Guide + +6.0231 + +LiabilityExclusionIndicator + +New instance of existing data point + +12.0005 + +PropertyStructureBuiltYear + +Indicates whether a HELOC or Mortgage +Loan listed on the credit report should +be omitted from the liability calculation +because of duplication or +misrepresentation. diff --git a/chunks/txt/0692ac468618f8b476f0717e38b2b31bbcb540b329c6147de4d757e48a287a19.txt b/chunks/txt/0692ac468618f8b476f0717e38b2b31bbcb540b329c6147de4d757e48a287a19.txt new file mode 100644 index 0000000000000000000000000000000000000000..6c37d6ac1e7e61561c880980c153814d7b6ac1de --- /dev/null +++ b/chunks/txt/0692ac468618f8b476f0717e38b2b31bbcb540b329c6147de4d757e48a287a19.txt @@ -0,0 +1,88 @@ +▪ + +If ParcelIdentificationType (UID: 1100.0016, FID: 25.046) = "AssessorUnformattedIdentifier", provide Assessor Parcel +Number (APN) - ParcelIdentifier (UID: 1100.0017, FID: 25.046) + +• Data Source – Add type data point DataSourceIdentifier (UID: 1800.0347, FID: 25.045) + +o Display Data Source +o When an Identifier is provided, display after the data source. (E.g., MLS 1234567) +o + +If there are multiple data sources, separate each with “|”. (E.g., MLS 1234567 | Assessor Record) + +• Site Size - LotSizeAreaMeasure (UID: 1100.0020, FID: 25.047) +• Sale Date - OwnershipTransferDate (UID: 1100.0018, FID: 25.048) +• Price - OwnershipTransferTransactionAmount (UID: 1100.0019, FID: 25.049) + +Reconciliation of Site Value - SiteEstimatedValueCommentDescription (UID: 1100.0031, FID: 25.050) is required when CostApproachIndicator +(UID: 1000.0027, FID: Not on report) = “true” OR SiteValueIndicator (UID: 1000.0033, FID: Not on report) = “true”. + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 25 - 5 + +Page 338 + +General Description + +The General Description subsection always displays. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 339 + +Report +Field ID + +Report Label + +Unique ID + +MISMO Data Point Name + +Display Rules + +Cost Approach: General Description + +25.051 + +Cost Type + +1100.0024 + +CostAnalysisType + +Displays when CostApproachIndicator = “true” + +25.052 + +Cost Data Source + +0700.0125 + +DataSourceType + +1100.0066 + +DataSourceName + +25.053 + +Quality Rating + +1100.0067 + +DataSourceQualityRatingCode + +25.054 + +Effective Date + +1100.0065 + +DataSourceEffectiveDate + +Display Data Source followed by the Identifier +When DataSourceType = “CostService”, do not display (display +DataSourceName instead) (Figure 25 - 6) diff --git a/chunks/txt/0695c2b2292ebed35d20b959434acce76863138ea3e68f980864d48f893e2185.txt b/chunks/txt/0695c2b2292ebed35d20b959434acce76863138ea3e68f980864d48f893e2185.txt new file mode 100644 index 0000000000000000000000000000000000000000..be9a0fc8c6e30a0a6a111d63d705e17fe7d4ce33 --- /dev/null +++ b/chunks/txt/0695c2b2292ebed35d20b959434acce76863138ea3e68f980864d48f893e2185.txt @@ -0,0 +1,33 @@ +[Modified Underserved Markets Plans](/programs/2025-2027-duty-to-serve-underserved-markets-plans) + +[Event Materials](/programs/duty-to-serve-resources#EventMaterials) + +[Enterprise Quarterly and Annual Reports](/programs/enterprise-quarterly-and-annual-reports) + +[Annual Housing Reports to Congress](/reports/annual-housing-report) + +[Questions and Answers](/programs/duty-to-serve-resources#Q-and-A) + +[Press Releases](/programs/duty-to-serve-resources#PressReleases) + +​[Annual Duty to Serve Snapshots](/programs/duty-to-serve-resources#DeveloperMaterials) + +​​[Duty to Serve Overview Materials](/programs/duty-to-serve-resources#DeveloperMaterials) + +[Proposed Rule](https://www.govinfo.gov/content/pkg/FR-2015-12-18/pdf/2015-31811.pdf)​ + +[External Resources](/programs/duty-to-serve-resources#ExternalResources) + +[Requests for Input on Proposed Plan Modifications](/programs/enterprises-proposed-plan-modification-requests-revised-11-6-2023) + +## Contact the Duty to Serve Team + +Questions on Duty to Serve? [Email us](mailto:DutyToServeStakeholders@fhfa.gov) and we'll get back to you soon. + +*Page Updated: 9/15/25​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* diff --git a/chunks/txt/06a79b855e6f0ce4f0beacceb184abd2c5f93df350643064fc03a8a91d02cc24.txt b/chunks/txt/06a79b855e6f0ce4f0beacceb184abd2c5f93df350643064fc03a8a91d02cc24.txt new file mode 100644 index 0000000000000000000000000000000000000000..76d6ab0a46b292876ccc144b73316d066907527c --- /dev/null +++ b/chunks/txt/06a79b855e6f0ce4f0beacceb184abd2c5f93df350643064fc03a8a91d02cc24.txt @@ -0,0 +1,57 @@ +5.11. Address Format Consideration + +The address may be populated for various parties and may represent different address types. +Systems are required to populate the complete unparsed street address (including unit, if +applicable) in the AddressLineText data point. If the optional parsed street address MISMO data +points are implemented, systems are still required to populate the unparsed street address. The +example below illustrates how a mailing address is populated in the unparsed data points +allocated for the address. + +Table 9 - Example of Unparsed Party Mailing Address + +Container Name + +MISMO Data Point Name + +Data Value + +ADDRESS + +AddressType + +AddressLineText + +AddressAdditionalLineText + +Mailing + +123 East Main Street, Apt 250 + +CityName + +StateCode + +PostalCode + +CountryCode + +Anytown + +VA + +20191 + +US + +The Subject Property address populated in the loan delivery XML file must accurately reflect the +subject property address (including unit number, if applicable) documented on the Note associated +with the specified mortgage loan. + +5.12. Supporting Extensions in MISMO Version 3.0 Reference Model + +With the new requirements presented in ULDD Phase 3, some of the data is available in later +versions of the MISMO Reference Model. In order to access this new data and structures, +extension containers are used in the current MISMO Version 3.0 Reference Model. This will give +ULDD customers the flexibility to extend their XML documents with data points and structure that +meet the demographic information and Universal Loan Identifier requirements and that are not +specified in the MISMO v3.0 Reference Model. diff --git a/chunks/txt/06afbf4edc79717abd0a22f2bf11291d0ada9cab9beed8113247d7481c6776eb.txt b/chunks/txt/06afbf4edc79717abd0a22f2bf11291d0ada9cab9beed8113247d7481c6776eb.txt new file mode 100644 index 0000000000000000000000000000000000000000..acc5d20771da7f096b8be97356bcc8d3c8463e6c --- /dev/null +++ b/chunks/txt/06afbf4edc79717abd0a22f2bf11291d0ada9cab9beed8113247d7481c6776eb.txt @@ -0,0 +1,20 @@ +Chairman Crapo, Ranking Member Brown, and members of the Committee, thank you for your invitation for me to discuss the critically important and timely hearing subject "The Status of the Housing Finance System After Nine Years of Conservatorship" and to answer any questions you may have about the... + - Testimony + +June 9, 2016 + +## [Statement of Alfred M. Pollard, General Counsel, FHFA, before the California Legislature, Keeping Up with PACE](/news/testimony/statement-of-alfred-m.-pollard-general-counsel-fhfa-before-the-california-legislature-keeping-up) + +Statement before the California Legislature Assembly Banking and Finance Committee and Assembly Local Government Committee Keeping Up with PACE: A Joint Oversight Hearing on Residential Property Assessed Clean Energy (PACE) Programs Chair Dababneh, Chair Eggman, Vice Chair Allen, Vice Chair Waldron... + - Testimony + +December 8, 2015 + +## [Statement of Melvin L. Watt, Director, FHFA, Before the U.S. House of Representatives Committee on Financial Services](/news/testimony/statement-of-melvin-l.-watt-director-fhfa-before-the-u.s.-house-of-representatives-committee-on-0) + +Chairman Hensarling, Ranking Member Waters, and members of the Committee, thank you for the opportunity to testify today about the Financial Stability Oversight Council (FSOC). Next month will mark the two year anniversary of my participation in FSOC. During that time, FSOC has designated one... + - Testimony + +April 7, 2015 + +## [Statement of Alfred M. Pollard, General Counsel, FHFA, before the Nevada State Legislature Judiciary Committee](/news/testimony/statement-of-alfred-m.-pollard-general-counsel-fhfa-before-the-nevada-state-legislature-judiciary) diff --git a/chunks/txt/06b092313df590cd779341ceb153ee197aebf5a62d7ba843cea1256f5d689f5f.txt b/chunks/txt/06b092313df590cd779341ceb153ee197aebf5a62d7ba843cea1256f5d689f5f.txt new file mode 100644 index 0000000000000000000000000000000000000000..94ec5046f3961c21d309f4e75c7a1e94fb8dd522 --- /dev/null +++ b/chunks/txt/06b092313df590cd779341ceb153ee197aebf5a62d7ba843cea1256f5d689f5f.txt @@ -0,0 +1,24 @@ +The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question, +unless specific arrangements to do so have been made beforehand, or as otherwise required by law. + +The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous +wastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this +appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property +(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental +conditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or +warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that +might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this +appraisal report must not be considered as an environmental assessment of the property. + +Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 21 of 22 +Page 21 of 22 + +Certifications + +Appraiser Certifications + +The Appraiser certifies and agrees that: diff --git a/chunks/txt/06c2b556f6075d02fe3ff68e2b67aa1895fc311b573b142f1641dd37cd92ce1a.txt b/chunks/txt/06c2b556f6075d02fe3ff68e2b67aa1895fc311b573b142f1641dd37cd92ce1a.txt new file mode 100644 index 0000000000000000000000000000000000000000..91439b690654e4769bf1dadae03fcd48ce907167 --- /dev/null +++ b/chunks/txt/06c2b556f6075d02fe3ff68e2b67aa1895fc311b573b142f1641dd37cd92ce1a.txt @@ -0,0 +1,49 @@ +Working closely with CFPB, the GSEs created the Uniform Closing Dataset (UCD) using Extensible Markup Language (XML). +UCD is based on version 3.3.0 of the Mortgage Industry Standards Maintenance Organization’s (MISMO’s) Residential +Mortgage Industry Standard Data Reference Model (published on mismo.org). Lenders selling loans to either GSE are also +required to submit the UCD with an embedded copy of the CD prior to loan delivery. + +B. UCD V2.0 SCOPE + +1. WHAT’S BEEN ADDED + +UCD EXTENSION: UCD v2.0 includes two extended data points under the FEE_DETAIL structure to add and validate fees +(ucd:FeeItemType and + +in regular use when UCD v1.5 was published + +in December 2018 + +that were not +ucd:FeeItemTypeOtherDescription). + +a. Data Points: + +i. MESSAGE/ABOUT_VERSIONS/ABOUT_VERSION/DataVersionIdentifier to identify XML files based on UCD v2.0. + +ii. + +iii. + +ConstructionMethodType and ConstructionMethodTypeOtherDescription to provide data for Reg Z/Qualified +Mortgage (QM) calculations. + +gse:QualifiedMortgageShortResetARM_APRPercent to comply with Reg Z/QM requirements. + +b. Attributes of MESSAGE: xmlns:mismo and xmlns:ucd + +c. Enumerations: 73 new valid values for ucd:FeeItemType (please see UCD v2.0 Spec Tab 9- + +FeeItemTypeEnumerations for details). + +2. WHAT’S BEEN RETIRED + +a. Data points collecting non-real assets used as collateral. + +b. Data points that can be rendered on the CD, but which support loan products not purchased by the GSEs. This +includes the entire structure supporting payment option products, where the payment amount can change +independently of an index. + +c. Data points that can be rendered on the CD that are optional in UCD v1.5. This includes all data points that would +populate the SELLER’S TRANSACTION side of the Summaries of Transactions and detailed licensing information for +parties to the transaction. diff --git a/chunks/txt/06cf816e1c75482c1ab28f375397a15f9baa3ef5bfa83640f06e2ea918c781fd.txt b/chunks/txt/06cf816e1c75482c1ab28f375397a15f9baa3ef5bfa83640f06e2ea918c781fd.txt new file mode 100644 index 0000000000000000000000000000000000000000..9422153395746d9a74284c08e9339624bdec9bde --- /dev/null +++ b/chunks/txt/06cf816e1c75482c1ab28f375397a15f9baa3ef5bfa83640f06e2ea918c781fd.txt @@ -0,0 +1,5 @@ +On March 23, 2023, [FHFA provided an update](/news/news-release/fhfa-announces-public-engagement-process-for-implementation-of-updated-credit-score-requirements) on the Enterprises’ implementation plans and opportunities for stakeholder engagement. FHFA and the Enterprises reiterated their commitment to working with stakeholders to ensure a smooth transition to the new credit scores and the new credit reporting requirements, in a manner that avoids unnecessary costs and complexity. + +As part of the March announcement, FHFA and the Enterprises released a proposed timeline that was designed to elicit stakeholder feedback on various elements of the implementation of both the new credit score models and the updated credit reporting requirements. Additionally, the Enterprises conducted extensive outreach to stakeholders in the form of targeted discussions with a variety of market participants and engagement in industry conferences and webinars, as well as through a stakeholder survey, which generated nearly one thousand responses. Many of the themes identified by respondents included perspectives on the proposed timeline, the need for data to perform analysis of the new models and requirements, the importance of federal agency coordination, and views about mechanisms for FHFA and the Enterprises to receive feedback. + +On September 11, 2023, [FHFA announced](/news/news-release/fhfa-announces-next-phase-of-public-engagement-process-for-updated-credit-score-requirements) the next phase of ongoing public engagement for the updated Enterprise credit score requirements. This engagement includes stakeholder forums and serves to identify a wide variety of issues, opportunities, and challenges related to successful implementation of the new requirements, including potential refinements to the timeline for adoption. Interested parties who wish to participate in this process should send their name, affiliation, and contact information to [CreditScores@fhfa.gov](mailto:CreditScores@fhfa.gov). diff --git a/chunks/txt/06d18f4288f840f10be9ec090103a4740c4ad6f2d2e74b136c0d04464bcd53bf.txt b/chunks/txt/06d18f4288f840f10be9ec090103a4740c4ad6f2d2e74b136c0d04464bcd53bf.txt new file mode 100644 index 0000000000000000000000000000000000000000..ad67b356397509b554b1248090bf7aaceb131503 --- /dev/null +++ b/chunks/txt/06d18f4288f840f10be9ec090103a4740c4ad6f2d2e74b136c0d04464bcd53bf.txt @@ -0,0 +1,44 @@ +Valid Value +LIBOROneYearWSJ +Daily + +25 + +Notes: The index source and lookback period governing all the interest rate +changes for this loan are known at the time of closing and are +communicated as “Index Rules.” + +2. Lifetime_Adjustment_Rule + +The LIFE_TIME_ADJUSMENT_RULE holds the set of rules that is in place for the +duration of the conversion option or life of the adjustable rate loan. + +a. Convertible Loans: For convertible mortgages, the lifetime rule applies for the full +duration of the conversion option and includes data about option length, extendibility, +repeatability, margin, rate caps, schedule, and type (biweekly to monthly or adjustable +to fixed rate). + +b. Adjustable Rate Loans: For ARMs, the lifetime rule applies for the full duration +of the loan and includes data about: rate caps, first rate change date, calculation type, +rounding, and truncation. + +c. Adjustable Payment Loans: For loans with adjustable payments, the lifetime rule +applies for the full duration of the loan and includes data about: payment caps, final + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 44 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +recast instructions, number of times the note term can be extended, payment +calculation methods, and number of payments between adjustments. + +Example IV-8. Use of INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE for an +ARM. + +This loan, closed on January 15, 2010, has a 5-year initial fixed interest rate of +5.5%, with a 5/2/6 cap structure and a margin of 2.6%. There is no lifetime +floor. diff --git a/chunks/txt/06e7eb3943de186d24f3c95313d8000b665ff726600a704cc83068f9e51a8190.txt b/chunks/txt/06e7eb3943de186d24f3c95313d8000b665ff726600a704cc83068f9e51a8190.txt new file mode 100644 index 0000000000000000000000000000000000000000..287b79c730b2c330918bf5f182cbee9a25bc1338 --- /dev/null +++ b/chunks/txt/06e7eb3943de186d24f3c95313d8000b665ff726600a704cc83068f9e51a8190.txt @@ -0,0 +1,58 @@ +09.002 + +Additional Intended Use + +Additional Intended Use cannot be contrary to the original Intended Use. + +09.003 + +Intended User + +09.004 + +The intended user of this report is the lender/client. + +09.005 + +FHA and the Mortgagee are the intended users of this report. + +The USDA and any other identified lender/client are intended users of this report. + +The VA is also an intended user of this report. + +09.006 + +Additional Intended Users + +Additional Intended Users cannot be contrary to the original Intended User. +09.007 + +Certifications + +Appraiser Certifications + +09.008 + +The Appraiser certifies and agrees that: + +09.009 + +1. I have no present or prospective interest in the subject property, or relationship with the present or prospective owners or occupants of the +subject property, or other parties involved in this transaction. + +09.010 + +2. I performed this assignment without bias with respect to the parties involved in this transaction, the subject property, or the demographics +of the area where the property is located. + +09.011 + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. + +09.012 + +4. I did not base any part of my conclusions on the actual or perceived race, color, religion, sex (including sexual orientation or gender +identity), age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the +present or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other +basis prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law. diff --git a/chunks/txt/06ed79a780a5b5640da16d0f4f2e4f90006d7bf4875b15a56e72231b573f4a2e.txt b/chunks/txt/06ed79a780a5b5640da16d0f4f2e4f90006d7bf4875b15a56e72231b573f4a2e.txt new file mode 100644 index 0000000000000000000000000000000000000000..e2db950e46a0e4319cc7d19ea3951bcc347ceeb5 --- /dev/null +++ b/chunks/txt/06ed79a780a5b5640da16d0f4f2e4f90006d7bf4875b15a56e72231b573f4a2e.txt @@ -0,0 +1,106 @@ +NEIGHBORHOOD + +Built-Up +Under 25% + +NEIGHBORHOOD + +NEIGHBORHOOD + +NEIGHBORHOOD + +Growth +Rapid + +Growth +Stable + +Growth +Slow + +NEIGHBORHOOD + +NEIGHBORHOOD + +NEIGHBORHOOD + +NEIGHBORHOOD + +NEIGHBORHOOD + +Property Values +Increasing + +Property Values +Stable + +Property Values +Declining + +Demand/Supply +Shortage + +Demand/Supply +In Balance + +Property +Neighborhood +Location Type +Property +Neighborhood +Location Type +Property +Neighborhood +Location Type + +Neighborhood +Builtup Range Type + +Neighborhood +Builtup Range Type + +Neighborhood +Builtup Range Type + +Neighborhood +Growth Pace Type + +Neighborhood +Growth Pace Type + +Neighborhood +Growth Pace Type + +Specifies the urban, suburban, or rural +nature of the location of the subject +property. +Specifies the urban, suburban, or rural +nature of the location of the subject +property. +Specifies the urban, suburban, or rural +nature of the location of the subject +property. +Specifies an estimated percentage range of +available land in the neighborhood that +has been improved. FORM SPECIFIC +FIELD +Specifies an estimated percentage range of +available land in the neighborhood that +has been improved. FORM SPECIFIC +FIELD +Specifies an estimated percentage range of +available land in the neighborhood that +has been improved. FORM SPECIFIC +FIELD +Specifies the rate at which the +neighborhood is being developed or if it +has been fully developed. +Specifies the rate at which the +neighborhood is being developed or if it +has been fully developed. +Specifies the rate at which the +neighborhood is being developed or if it +has been fully developed. + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@PropertyNeighb +orhoodLocationType='Urban'] diff --git a/chunks/txt/06f82691059e915c74e766cdfe90a7959025d3b4a9415a7eca64063000fd84ae.txt b/chunks/txt/06f82691059e915c74e766cdfe90a7959025d3b4a9415a7eca64063000fd84ae.txt new file mode 100644 index 0000000000000000000000000000000000000000..9294e9ba332e3232229412b43e5541bc95ede602 --- /dev/null +++ b/chunks/txt/06f82691059e915c74e766cdfe90a7959025d3b4a9415a7eca64063000fd84ae.txt @@ -0,0 +1,4 @@ +Year: 2011 | Loan Number: 1 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 04 | FIPSCountyCode: 013 | MSA: 38060 | FeatureID: 0000005172 | Tract: 0610.04 | MinPer: 30.15 | TraMedY: 56042 | LocMedY: 51172 | Tractrat: 1.0952 | Income: 95004 | CurAreY: 65500 | IncRat: 1.4504 | UPB: 89000 | LTV: 0.9478 | MortDate: 2011 | AcquDate: 2011 | Purpose: 1 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 180 | AmorTerm: 180 | FHFBID: 54835 | Seller: General Electric Employe | SellCity: Milford | SellSt: CT | SellType: 1 | NumBor: 1 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 8 | BoSex: 2 | CoSex: 4 | BoAge: 40 | CoAge: 98 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0463 | Amount: 89000 | Front: 0.0904 | Back: 0.3088 | Borrower Credit Score: 5 | Co-Borrower Credit Score: 9 | PMI: 0.3 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 5 | Corace2: 8 | Corace3: 8 | Corace4: 8 | Corace5: 8 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2 +Year: 2011 | Loan Number: 2 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 06 | FIPSCountyCode: 001 | MSA: 41860 | FeatureID: 0000277468 | Tract: 4283.02 | MinPer: 50.45 | TraMedY: 117150 | LocMedY: 68346 | Tractrat: 1.7141 | Income: 156540 | CurAreY: 92300 | IncRat: 1.696 | UPB: 434000 | LTV: 0.58 | MortDate: 2011 | AcquDate: 2011 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54126 | Seller: Darien Rowayton Bank | SellCity: Darien | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 57 | CoAge: 54 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0413 | Amount: 434000 | Front: 0.2352 | Back: 0.2461 | Borrower Credit Score: 5 | Co-Borrower Credit Score: 5 | PMI: 0 | Self: 2 | PropType: PT07 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2 +Year: 2011 | Loan Number: 3 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 06 | FIPSCountyCode: 001 | MSA: 41860 | FeatureID: 0000277566 | Tract: 4044 | MinPer: 24.43 | TraMedY: 117122 | LocMedY: 68346 | Tractrat: 1.7137 | Income: 399916 | CurAreY: 92300 | IncRat: 4.3328 | UPB: 625500 | LTV: 0.49 | MortDate: 2011 | AcquDate: 2011 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54126 | Seller: Darien Rowayton Bank | SellCity: Darien | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 44 | CoAge: 44 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0413 | Amount: 625500 | Front: 0.152 | Back: 0.1834 | Borrower Credit Score: 5 | Co-Borrower Credit Score: 5 | PMI: 0 | Self: 1 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2 +Year: 2011 | Loan Number: 4 | FHLBankID: Boston | Pr diff --git a/chunks/txt/0704138b80ddb38760fdfaea881b18acda5af5e8b6cdf570c5a2732b8a081938.txt b/chunks/txt/0704138b80ddb38760fdfaea881b18acda5af5e8b6cdf570c5a2732b8a081938.txt new file mode 100644 index 0000000000000000000000000000000000000000..79119321292d05c06227a5bafae53f7a2a87c273 --- /dev/null +++ b/chunks/txt/0704138b80ddb38760fdfaea881b18acda5af5e8b6cdf570c5a2732b8a081938.txt @@ -0,0 +1,109 @@ +C4 + +The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report + +Exterior Features + +Feature +Exterior Walls and Trim + +Foundation + +Roof + +Detail +Engineered Wood + +Quality Comment +T-111 siding + +Condition Status +Typical Wear and Tear + +Condition Comment +Add comment if needed. + +Metal | Post and Pier + +Add comment if needed. + +Typical Wear and Tear + +Add comment if needed. + +Metal +Estimated Age: +20 or more years + +Add comment if needed. + +Typical Wear and Tear + +Rust noted on the roof. +Metal galvanized roofs can +deteriorate when rust forms. +No ruptures or leaks noted at +the time of inspection. + +Windows + +Insulated + +Add comment if needed. + +New or Like New + +Add comment if needed. + +Mechanical System Details + +Heating + +Cooling + +System +None + +None + +Detail +Typical for Market + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior - Building 1) + +The items listed below represent the As Is condition as of the effective date of this report + +Feature +Roof + +Location +Entire Roof + +Description +Rust noted on the roof. Metal galvanized roofs +can deteriorate when rust forms. No ruptures +or leaks noted at the time of inspection. + +Affects Soundness or +Structural Integrity +No + +Recommended +Action +None + +Dwelling Exterior Commentary + +Utilities were on and functioning during time of inspection. + +Dwelling Exterior Exhibits + +Dwelling Rear + +Apparent Defects, Damages, Deficiencies - Roof + +This is where the Dwelling 1 Rear photo would display. + +This is where the Dwelling 1 Roof Defect photo would display. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario diff --git a/chunks/txt/070a27e94b9d62bc9f93a44b70a5091320b2deaf7e549c3b81fac5dc9bc74737.txt b/chunks/txt/070a27e94b9d62bc9f93a44b70a5091320b2deaf7e549c3b81fac5dc9bc74737.txt new file mode 100644 index 0000000000000000000000000000000000000000..a8625225c98cf4f7212d9a4f0a8f992325789047 --- /dev/null +++ b/chunks/txt/070a27e94b9d62bc9f93a44b70a5091320b2deaf7e549c3b81fac5dc9bc74737.txt @@ -0,0 +1,53 @@ +05.027 + +15. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this +assignment. + +15. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment. + +Description of Prior Services: + +05.028 + +05.029 + +Additional Appraiser Certifications + +Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications. +1. + +05.030 + +05.031 + +Supervisory Appraiser Certifications + +05.032 + +The Supervisory Appraiser certifies and agrees that: + +05.033 + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. + +05.034 + +2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this +report, or the demographics of the area where the property is located. + +05.035 + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. + +05.036 + +4. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser’s analyses, +opinions, statements, conclusions, and the appraiser’s certification. + +05.048 + +5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct. + +05.049 diff --git a/chunks/txt/070d17bdd53be905072b7f961d71f540b6428bc6aa619223bf7bb92f107408b9.txt b/chunks/txt/070d17bdd53be905072b7f961d71f540b6428bc6aa619223bf7bb92f107408b9.txt new file mode 100644 index 0000000000000000000000000000000000000000..29732fabdf426386818b22f88699ce605ecd9631 --- /dev/null +++ b/chunks/txt/070d17bdd53be905072b7f961d71f540b6428bc6aa619223bf7bb92f107408b9.txt @@ -0,0 +1,54 @@ +This Fannie Mae Implementation Guide includes the following Fannie Mae–specific requirements and +information: + + Fannie Mae-supported enumerations (allowable values) for the corresponding MISMO data points + +when the field format is enumerated. + + The ULDDS Conditionality documented in Appendix D: Fannie Mae XML Data Reference lists +Conditionally Independent (CI) data points, noting differences in GSE conditionality. This +Implementation Guide further defines CI data points as either Required (R), Condit ionally Required +(CR), or Optional (O) for purposes of delivery to Fannie Mae; refer to diagram below. + +© 2018 Fannie Mae. Trademarks of Fannie Mae. + +June 2018 | 5 of 22 + +Appendix D: Fannie Mae XML +Data Reference +ULDD Phase 3: ULDDS +Conditionality + +Appendix D: Fannie Mae XML +Data Reference +ULDD Phase 3: Fannie Mae +Conditionality + +MISMO Data Point Conditionality + +Required (R) + +Required (R) + +Conditionally Required (CR) + +Conditionally Required (CR) + +Conditionally Independent (CI) + +Optional (O) + +Figure 1 - ULDDS to ULDD Conditionality Mapping + + + +Implementation notes are Fannie Mae specific and provide business requirements +clarification. + +3. Introduction to MISMO Version 3.0 +MISMO is the leading technology standards development body for the residential and commercial +real estate finance industries. It is a wholly owned subsidiary of the Mortgage Bankers Association. +The MISMO standards are grounded in an open process to develop, promote, and maintain +voluntary electronic commerce procedures and standards that allow mortgage lenders, investors in +real estate and mortgages, servicers, industry vendors, borrowers, and other parties to exchange +real estate finance–related information and eMortgages more securely, efficiently, and diff --git a/chunks/txt/072aceb576573c1dba84f58657dc43c116f6da6f134477dd2b829f10ccf75d51.txt b/chunks/txt/072aceb576573c1dba84f58657dc43c116f6da6f134477dd2b829f10ccf75d51.txt new file mode 100644 index 0000000000000000000000000000000000000000..c7e195e46d234215be2729eab1832f319ab55cb3 --- /dev/null +++ b/chunks/txt/072aceb576573c1dba84f58657dc43c116f6da6f134477dd2b829f10ccf75d51.txt @@ -0,0 +1,272 @@ +Data Field +Conditionality + +340 + +341 + +342 + +343 + +344 + +345 + +346 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +96 + +97 + +98 + +99 + +100 + +101 + +102 + +SALES +COMPARISON +APPROACH + +Extra Item Adjustment + +Property Feature +Adjustment Amount + +SALES +COMPARISON +APPROACH + +Extra Item + +Property Feature +Description + +SALES +COMPARISON +APPROACH + +Extra Item Adjustment + +Property Feature +Adjustment Amount + +SALES +COMPARISON +APPROACH + +Extra Item + +Property Feature +Description + +SALES +COMPARISON +APPROACH + +Extra Item Adjustment + +Property Feature +Adjustment Amount + +SALES +COMPARISON +APPROACH + +Adjusted Sales Price +Positive + +Sales Price Total +Adjustment Positive +Indicator + +SALES +COMPARISON +APPROACH + +Adjusted Sales Price +Negative + +Sales Price Total +Adjustment Positive +Indicator + +347 + +2 + +103 + +SALES +COMPARISON +APPROACH + +Net Adjustment + +Sale Price Total +Adjustment Amount + +348 + +2 + +103a + +349 + +2 + +103b + +350 + +351 + +352 + +2 + +2 + +2 + +104 + +105 + +106 + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH +SALES +COMPARISON +APPROACH + +Net Adjustment Percentage + +Gross Adjustment Percentage + +Sale Price Total +Adjustment Net +Percent + +Sales Price Total +Adjustment Gross +Percent + +Adjusted Sale Price of +Comparables + +Adjusted Sales Price +Amount + +I did research the sale or transfer +history of the subject property +and comparable sales. +I did not research the sale or +transfer history of the subject +property and comparable sales. + +Sales History +Researched Indicator + +Sales History +Researched Indicator + +The dollar amount of the adjustment +made for the property feature described +by Property Feature Description. Property +Feature Name, Description and +Adjustment are used to capture +information about property features. +A free-form text field used to further +describe a property feature named in +Property Feature Name and associated by +Property Feature Sequence Identifier. +The dollar amount of the adjustment +made for the property feature described +by Property Feature Description. Property +Feature Name, Description and +Adjustment are used to capture +information about property features. +A free-form text field used to further +describe a property feature named in +Property Feature Name and associated by +Property Feature Sequence Identifier. +The dollar amount of the adjustment +made for the property feature described +by Property Feature Description. Property +Feature Name, Description and +Adjustment are used to capture +information about property features. +Indicates whether the total adjustments +made to the property sales price during +the application of the Sales Comparison +approach were positive. This field is +specific to the appraisal forms. +Indicates whether the total adjustments +made to the property sales price during +the application of the Sales Comparison +approach were positive. This field is +specific to the appraisal forms. +The dollar value of the total adjustments +made to a comparable property sales +price during the application of the Sales +Comparison approach to determine the +market value of the subject property. +(CALCULATED RESULTS FIELD) +The percentage of the net sales price +adjustments to the sales price of a +property during the application of the +sales comparison approach to property +valuation. (CALCULATED RESULTS +FIELD) +The percentage of the gross sales price +adjustments (i.e. sum of the absolute +adjustment values) to the sales price of a +property during the application of the +sales comparison approach for property +valuation. (CALCULATED RESULTS +FIELD) +The sales price of a property after it has +been adjusted during the application of +the Sales Comparison approach for +property valuation. +Indicates that the sales or transfer history +research of the subject property and +comparable sales was performed. +Indicates that the sales or transfer history +research of the subject property and +comparable sales was performed. diff --git a/chunks/txt/0735c0b757dddd2020c9d926a5e2c0c88aff22089442f0b3f1abee8122340657.txt b/chunks/txt/0735c0b757dddd2020c9d926a5e2c0c88aff22089442f0b3f1abee8122340657.txt new file mode 100644 index 0000000000000000000000000000000000000000..141a968fd5749d2f8ca84a33b187630a61a52db6 --- /dev/null +++ b/chunks/txt/0735c0b757dddd2020c9d926a5e2c0c88aff22089442f0b3f1abee8122340657.txt @@ -0,0 +1,14 @@ +24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject +to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that +pertain to disclosure or distribution by me. + +25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the +mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data +collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any +state, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to +store, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain +the appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or +distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A +person or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as +an intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to +the mortgage finance transaction and related activities for which this appraisal report was prepared. diff --git a/chunks/txt/0738c3bdd09110dfea9691c5915f80d1dbef00f3fc3ab2e3438b04d33fdbaf17.txt b/chunks/txt/0738c3bdd09110dfea9691c5915f80d1dbef00f3fc3ab2e3438b04d33fdbaf17.txt new file mode 100644 index 0000000000000000000000000000000000000000..a680ad0dfe592c186f891abbaa4eb44a99483d0e --- /dev/null +++ b/chunks/txt/0738c3bdd09110dfea9691c5915f80d1dbef00f3fc3ab2e3438b04d33fdbaf17.txt @@ -0,0 +1,38 @@ +Page 43 + +• + +If the party being referenced is a legal entity, the legal entity name must be provided in the LEGAL_ENTITY container. For example, +company name of the lender or AMC are provided in the LEGAL_ENTITY/LEGAL_ENTITY_DETAIL/FullName. + +ROLE Element + +When a PARTY plays multiple roles, e.g., lender is also the client, then both these roles must be identified in the same instance of the PARTY +container with multiple occurrences of the ROLE container. The specific role played by the party is captured in +ROLE/ROLE_DETAIL/PartyRoleType. + +Appendix B-1: URAR Implementation Guide v1.3 + +• When lender is also the client, the instance of the PARTY container representing lender must have two instances of the ROLE + +container. One instance must identify ROLE/ROLE_DETAIL/PartyRoleType as “Lender”, another instance must identify +ROLE/ROLE_DETAIL/PartyRoleType as “Client”. Similarly, when AMC is the Client, or Attorney is the Client, the PARTY container must +include two instances of ROLE container. The snippet provided below depicts PARTY container where “Lender” is also the “Client”. + +Page 44 + +• When the borrower and property owner are the same party, deliver one instance of the PARTY container with two instances of the + +ROLE container as shown below. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 45 + +• When the seller and property owner are the same party, deliver one instance of the PARTY container with two instances of the ROLE + +container as shown below. + +ROLE container also has a choice group, and the containers that are part of this choice group are APPRAISER, PROPERTY_DATA_COLLECTOR, +and SERVICE_PROVIDER. One of these containers must be included in an instance of the ROLE container. These containers will be leveraged +to provide additional data specific to each PartyRoleType as specified below. diff --git a/chunks/txt/075169c554bd96e0c2dfce3df9bdb1d4c0b29638bf517fdaf5dbb310d6f6e27e.txt b/chunks/txt/075169c554bd96e0c2dfce3df9bdb1d4c0b29638bf517fdaf5dbb310d6f6e27e.txt new file mode 100644 index 0000000000000000000000000000000000000000..690f1c96cd9736f39901384637e5eb5cf352859a --- /dev/null +++ b/chunks/txt/075169c554bd96e0c2dfce3df9bdb1d4c0b29638bf517fdaf5dbb310d6f6e27e.txt @@ -0,0 +1,26 @@ +- [DU for Government Loans Integration Impact Memo | Jan. 24, 2026](/media/document/pdf/du-government-loans-integration-impact-memo-jan-24-2026) +- [DU V. 12.0 Integration Impact Memo | Nov. 15, 2025](/media/document/pdf/du-v-120-integration-impact-memo-nov-15-2025) +- [XIS DNS/IP Address Update Integration Impact Memo | Sept. 17, 2025](/media/document/pdf/xis-dnsip-address-update-integration-impact-memo-sept-17-2025) +- [DU/DO and Income Calculator Integration Impact Memo | August 20, 2025](/media/document/pdf/du-v-120-integration-impact-memo-aug-20-2025) +- [DU V. 12.0 Integration Impact Memo | Sept. 27, 2025](/media/document/pdf/du-v-120-integration-impact-memo-sept-27-2025) +- [DU V. 12.0 Integration Impact Memo | July 19, 2025](/media/document/pdf/du-v-120-integration-impact-memo-july-19-2025) +- [Credit Service Integration Impact Memo | April 30, 2025](/media/document/pdf/credit-service-integration-impact-memo-april-30-2025) +- [DU/DO Integration Impact Memo | June 19, 2025](/media/document/pdf/dudo-integration-impact-memo-june-19-2025) +- [DU V. 12.0 Integration Impact Memo | May 17, 2025](/media/document/pdf/du-v-120-integration-impact-memo-may-17-2025) +- [DU/DO Integration Impact Memo | Mar. 22, 2025](https://singlefamily.fanniemae.com/media/document/pdf/dudo-integration-impact-memo-mar-22-2025) +- [DU/DO Integration Impact Memo | Mar. 15, 2025](/media/document/pdf/dudo-integration-impact-memo-mar-15-2025) +- [DU for Government Loans Integration Impact Memo | Jan. 25, 2025](/media/document/pdf/du-government-loans-integration-impact-memo-jan-25-2025) +- [DU V. 12.0 Integration Impact Memo | Jan. 11, 2025](/media/document/pdf/du-v-120-integration-impact-memo-jan-11-2025) +- [DU V. 11.1 Integration Impact Memo | July 20, 2024](/media/document/pdf/du-v-111-integration-impact-memo-july-20-2024a) +- [DU Spec V. 1.9 Integration Impact Memo | May 28, 2024](/media/document/pdf/du-spec-v-19-integration-impact-memo-may-28-2024) +- [Data Validation Update Integration Impact Memo | July 20, 2024](/media/document/pdf/du-v-111-integration-impact-memo-july-20-2024) +- [DU V. 11.1 Integration Impact Memo | April 20, 2024](/media/document/pdf/du-v-111-integration-impact-memo-april-20-2024) +- [DU V. 11.1 Integration Impact Memo | Feb. 10, 2024](/media/document/pdf/du-v-111-integration-impact-memo-feb-10-2024) +- [DU V. 11.1 Integration Impact Memo I Nov. 18, 2023](/media/document/pdf/du-v-111-integration-impact-memo-nov-18-2023) +- [DU V. 11.1 Integration Impact Memo I Aug. 19, 2023](/media/document/pdf/du-v-111-integration-impact-memo-aug-19-2023) +- [DU V. 11.1 Integration Impact Memo | April 15, 2023](/media/document/pdf/du-v-111-integration-impact-memo-april-15-2023) +- [DU for Government Loans Integration Impact Memo | Apr. 15, 2023](/media/document/pdf/du-government-loans-integration-impact-memo-apr-15-2023) +- [DU V. 11.1 Integration Impact Memo | Feb. 25, 2023](/media/document/pdf/du-v-111-integration-impact-memo-february-25-2023) +- [DU for Government Loans Integration Impact Memo | Nov. 19, 2022](/media/document/pdf/du-government-loans-integration-impact-memo-nov-19-2022) +- [DU for Government Loans Integration Impact Memo | June 11, 2022](/media/document/pdf/du-government-loans-integration-impact-memo-june-11-2022) +- [DU Spec V. 1.8.2 Update Integration Impact Memo | July 1, 2021](/media/document/pdf/du-spec-v-182-update-integration-impact-memo-july-1-2021) diff --git a/chunks/txt/07568b34b9af96400253f78a8e0932abf8fe26494a408e867b86728854ca0d7f.txt b/chunks/txt/07568b34b9af96400253f78a8e0932abf8fe26494a408e867b86728854ca0d7f.txt new file mode 100644 index 0000000000000000000000000000000000000000..967a5de205d04e9602e7fee63043565afeda513c --- /dev/null +++ b/chunks/txt/07568b34b9af96400253f78a8e0932abf8fe26494a408e867b86728854ca0d7f.txt @@ -0,0 +1,72 @@ +4.0 Loan Terms + +Can this amount increase after closing? + +4.3 Monthly Principal & Interest +See Projected Payments below for your +Estimated Total Monthly Payment + +4.3.1 $761.78 + +4.3.2 NO + +4.3.3 + +Appendix E: UCD Implementation Guide + +Page 71 of 254 + +Version 1.4 + +Uniform Closing Dataset + +4.0 Loan Terms + +Figure 43. Principal & Interest Payment Cannot Increase + +Table 60. Principal & Interest Payment Cannot Increase + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 Value + +Notes + +4.3.2 + +Can this amount +increase…? + +…/LOAN_DETAIL + +PaymentIncreaseIndi +cator + +false + +Represented as +“NO” on form + +b. YES—P&I PAYMENT CAN OR WI LL I NCREASE + +If the Principal & Interest payment may increase after closing, the bulleted text immediately to the right of the +“YES” answer must provide potentiality, adjustment frequency, maximum payment, and a reference to the AP +table” if the loan has an Interest Only feature or the payment changes independently of the rate. The payment +terms shown in the boilerplate text are driven by the values of data provided in the XML file. + +If the payment can or will increase after closing, the Payment Increase Indicator value is “true”. The next +information item necessary for constructing the variable boilerplate text is whether the payment increase is +potential—for example, for an ARM—or scheduled—as for a Step Payment (GPM) loan or a loan with an interest +only feature. + +The figure below illustrates the case of an Adjustable Rate Mortgage, where the increase to the interest rate is +potential. Note that because the potential changes to the payment are controlled by changes to the interest +rate, the AP Table reference is not included (the AP Table is not required). diff --git a/chunks/txt/075d0893657d453f17b294eecc07b8ff1d91db46977fc1634ffb283f6348b6e3.txt b/chunks/txt/075d0893657d453f17b294eecc07b8ff1d91db46977fc1634ffb283f6348b6e3.txt new file mode 100644 index 0000000000000000000000000000000000000000..9e81131dd476a41d688d0885f877c2e4f3cbf09c --- /dev/null +++ b/chunks/txt/075d0893657d453f17b294eecc07b8ff1d91db46977fc1634ffb283f6348b6e3.txt @@ -0,0 +1,23 @@ +2. FOR MORE I NFOR MATI ON + +10.0: Reg §1026.38(i), pp. 80123, 80014-16. + +10.n.1 -10.n.4: Reg §1026.38(i)-1, 2, 3, 4, pp. 80354-55 + +10.1: Reg §1026.38(i)(1), pp. 80123-24, 80013-16; 10.1.3 -10.1.4: Reg §1026.38(i)(1)-1, p. 80355; + +1026.38(i)(1)(iii)(A)-1, 2, p. 80017. + +10.2: Reg §1026.38(i)(2), pp. 80124, 80017; 10.2.1: Reg §1026.38(i)(2)(i)-1, p. 80355; 10.2.2: Reg + +§1026.38(i)(2)(iii)(B)-1, p. 80355. + +10.3: Reg §1026.38(i)(3), pp. 80124, 80017. + +10.4: Reg §1026.38(i)(4), pp. 80124, 80017-18; 10.4.2: Reg §1026. 38(i)(4)(ii)(A)-1, p. 80355; 10.4.4: Reg §1026. + +38(i)(4)(iii)(A)-1, p. 80355. + +10.5: Reg §1026.38(i)(5), pp. 80124, 80018; 10.5.2: Reg §1026. 38(i)(5)-1, p. 80355. + +10.6: Reg §1026.38(i)(6), pp. 80124, 80018; 10.6.2: Reg §1026. 38(i)(6)(ii)-1, p. 80355. diff --git a/chunks/txt/0764f17b02381c32f91edcffe37efa659311d31a4ac7a273fb4bc00786c00af9.txt b/chunks/txt/0764f17b02381c32f91edcffe37efa659311d31a4ac7a273fb4bc00786c00af9.txt new file mode 100644 index 0000000000000000000000000000000000000000..63b2bd1deaf08db22df86d11c3d8495d2d3789e7 --- /dev/null +++ b/chunks/txt/0764f17b02381c32f91edcffe37efa659311d31a4ac7a273fb4bc00786c00af9.txt @@ -0,0 +1,65 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix D-1: Single Family Scenario 3 (Standalone ADU) +Document Version 1.3 +June 10, 2025 + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of +the Federal Housing Finance Agency. +© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +Revision History + +Date + +Version # Revision Description + +06/10/2025 + +09/17/2024 + +12/12/2023 + +1.3 + +1.2 + +1.1 + +See Appendix D-1: URAR Sample Scenario Matrix for complete list of +updates. +See Appendix D-1: URAR Sample Scenario Matrix for complete list of +updates. +See Appendix D-1: URAR Sample Scenario Matrix for complete list of +updates. + +06/27/2023 + +1.0 + +Initial Publication + +Introduction + +This report is for a detached home with a standalone accessory dwelling unit (ADU) that is an +outbuilding. The site contains 14.19 acres. The primary unit contains 3,304 sq. ft. of finished above grade +area, 1,344 sq. ft. of below grade finished area, and 616 sq. ft. of unfinished below grade area. + +The ADU has 464 sq. ft. of above grade finished area with a full bathroom, kitchen, and living room with +sleeping area. + +The subject property has an attached two-car garage, detached two-car carport, and a four-car +driveway. Amenities include two decks, a patio, a porch, an inground pool, a fireplace, and a woodstove. + +The subject property is under contract and pending sale for $770,000. + +Key Characteristics + +• Parties associated with this transaction: + +Lender (Client) + +• +• Appraisal Management Company +• Appraiser diff --git a/chunks/txt/077aa55663f7f3af098c39486276d41770263e777019182860e48747d240532b.txt b/chunks/txt/077aa55663f7f3af098c39486276d41770263e777019182860e48747d240532b.txt new file mode 100644 index 0000000000000000000000000000000000000000..23eaa9ff877d56b288efd980b6fb98711447c0a4 --- /dev/null +++ b/chunks/txt/077aa55663f7f3af098c39486276d41770263e777019182860e48747d240532b.txt @@ -0,0 +1,46 @@ +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 169 of 166 + +UAD 3.6 Policy + +• + +• + +Increases to the loan amount are permitted only as necessary to cover documented increased costs of construction of +the property. +If the modification results in an increase in the original loan amount, the lender remains responsible for all standard title +insurance requirements. In addition, the lender must obtain an endorsement to the title insurance policy that + +o extends the effective date of the coverage to the date of the recording of the modification agreement; +o +o + +increases the amount of the policy to the original loan amount, as increased; and +confirms that the lien of the mortgage, as modified, continues to be a first lien. + +Note: Both the original construction loan amount at closing and the final modified loan amount delivered to Fannie Mae +must meet the loan limits currently in effect. + +• + +• + +The original construction loan must be documented on Fannie Mae uniform instruments or substantially similar +documents, subject to the non-standard document representations and warranties. +The modification must be documented on one of the following: + +Loan Modification Agreement (Providing for Fixed Interest Rate) (Fannie Mae Form 3179); +Loan Modification Agreement (Providing for Adjustable Interest Rate) (Fannie Mae Form 3161); or + +o +o +o A substantially similar document, subject to the non-standard document representations and warranties. + +Underwriting Single-Closing Construction-to-Permanent Mortgages + +The lender must underwrite a single-closing construction-to-permanent loan based on the terms of the permanent financing. If +the permanent financing terms are modified, and no longer reflect the terms on which the underwriting was based, the loan must +be re-underwritten, subject to certain re-underwriting tolerances. The loan data at delivery must match the data in the final +submission of the loan casefile to DU. diff --git a/chunks/txt/077c7dc22c537143dccf9af633fdfa5ddc48e145e101f551911c647dbca197a9.txt b/chunks/txt/077c7dc22c537143dccf9af633fdfa5ddc48e145e101f551911c647dbca197a9.txt new file mode 100644 index 0000000000000000000000000000000000000000..3ebf3cb5226568d0eee7bf0e2912088d36b4bc5a --- /dev/null +++ b/chunks/txt/077c7dc22c537143dccf9af633fdfa5ddc48e145e101f551911c647dbca197a9.txt @@ -0,0 +1,64 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix D-1: 2- to 4-Unit Scenario 2 +Document Version 1.1 +June 10, 2025 + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the +Federal Housing Finance Agency. +© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +Revision History + +Date + +Version # Revision Description + +6/10/2025 + +1.1 + +See Appendix D-1: URAR Sample Scenario Matrix for complete list of +updates. + +9/17/2024 + +1.0 + +Initial Publication + +Introduction + +This report is for a four unit home in one dwelling. The units are model matches, each with 1,190 square +feet with two bedrooms and two full baths. The two first floor units include a patio, while the two +second floor units include a balcony. + +Key Characteristics + +• Parties associated with this transaction: + +o Client/Lender +o Appraiser +o AMC + +• Construction Method: Site Built +• Attachment Type: Detached +• No Defects, Damages, or Deficiencies have been identified; the appraisal is made “As Is” +• Same properties used for sales comps, rental comps, and GRM comps +• Sales Comparison Approach + +o + +o + +Illustrates the treatment of common areas (stairwell and landings) in the Gross Building +Finished Area row. +Includes a time adjustment in the Contract Date row. + +• Rental Information + +o Six rental comps, two from each comparable property + +▪ Comps 1, 3, and 5 were first floor units and compared to subject units A and B +▪ Comps 2, 4, and 6 were second floor units and compared to subject units C and diff --git a/chunks/txt/07848f668d8af790b313b3fe9c88abba8cfd20069bb9f8d7315781a744f8ca8d.txt b/chunks/txt/07848f668d8af790b313b3fe9c88abba8cfd20069bb9f8d7315781a744f8ca8d.txt new file mode 100644 index 0000000000000000000000000000000000000000..c52c5865c8ef3db41079667c6f93caf51a7561eb --- /dev/null +++ b/chunks/txt/07848f668d8af790b313b3fe9c88abba8cfd20069bb9f8d7315781a744f8ca8d.txt @@ -0,0 +1,32 @@ +March 21, 2023 + +## [FHLBank System at 100: Guam and Northern Mariana Islands Regional Roundtable](/news/videos/fhlbank-system-at-100-guam-and-northern-mariana-islands-regional-roundtable) + +![Preview image for the video "FHLBank System at 100: Guam and Northern Mariana Islands Regional Roundtable".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E) + - [1](?page=0) + - [2](?page=1) + - [3](?page=2) + - [4](?page=3) + - [5](?page=4) + - [Next](?page=1) + - [Last](?page=4) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/0786a0d2c39c08509d74dfcbb2868ec980ca7b3dbf2776ee3e11fcc41d614bbf.txt b/chunks/txt/0786a0d2c39c08509d74dfcbb2868ec980ca7b3dbf2776ee3e11fcc41d614bbf.txt new file mode 100644 index 0000000000000000000000000000000000000000..e7f452ba79a9f314fe0ca220e5337749d0ac3d95 --- /dev/null +++ b/chunks/txt/0786a0d2c39c08509d74dfcbb2868ec980ca7b3dbf2776ee3e11fcc41d614bbf.txt @@ -0,0 +1,30 @@ +19 + +Section 1: Borrower Information +This section is used to provide information on the applicant. + +1a. Personal Information +In the redesigned Form 1003 each borrower will provide their name starting with First, Middle, Last and +Suffix. For DU to pull a credit report, the First Name and Last Name must always be provided. Middle and +Suffix are optional with Suffix being a new data point for DU. The redesigned Form 1003 will ask for the +borrower’s alternate name following the same order as indicated in the Name field. The data in the Loan +Application Submission file will follow the schema which is in alphabetical order (First, Last, Middle, and +Suffix). For more information on this subject, refer to Chapter 1, Identify Data Issues. + +Each borrower must enter their Social Security Number or Individual Taxpayer Identification Number +(ITIN), provide their date of birth, and indicate their legal status (U.S. Citizen, etc.). + +Marital Status +Each borrower may indicate their marital status. For an unmarried borrower with a partner, lenders may +present the Unmarried Addendum to the borrower. + +Contact Information +Telephone information should not include letters or special characters. International phone numbers may +be added without special characters (e.g., “+”, etc.). This information is conditional for DU but optional for +Government loans. The email address is optionally collected, if provided. + +Borrower’s Address +If a borrower has been at their current address for less than two years, the previous address information +should be provided. Mailing address can be provided if it is different from the current address. A borrower +will need to indicate if they own the property, pay rent or if they live rent free, indicating no primary housing +expense (i.e., they do not pay rent to anyone). DU will collect this information. diff --git a/chunks/txt/0786d17dd2d10766bd9ae30d5c29c49f55291c95d41ac0478e76fa1f76e8bd79.txt b/chunks/txt/0786d17dd2d10766bd9ae30d5c29c49f55291c95d41ac0478e76fa1f76e8bd79.txt new file mode 100644 index 0000000000000000000000000000000000000000..e88d72bdded6882bac573890723b5cca192c7773 --- /dev/null +++ b/chunks/txt/0786d17dd2d10766bd9ae30d5c29c49f55291c95d41ac0478e76fa1f76e8bd79.txt @@ -0,0 +1,43 @@ +*Please note: that all mail sent to FHFA via the post office is routed through a security process that may delay the delivery by approximately two weeks. For time sensitive correspondence, please plan accordingly.​​​* + +## Click a Service to Visit their Contact Page: + +- Image + +![Analysis Icon](/sites/default/files/styles/icon_75_x_75_/public/2023-08/analysis.png?h=a7ffc51c&itok=fa7YlGBk) + +[Submit a Data and Research Request](/contact/data-and-research) + +- Image + +![Doing Business with us Icon](/sites/default/files/styles/icon_75_x_75_/public/2023-08/business_0.png?h=a7ffc51c&itok=C_keQLYu) + +[Doing Business with Us](/contact/business) + +- Image + +![question and comment icon](/sites/default/files/styles/icon_75_x_75_/public/2023-08/question-mark.png?h=a7ffc51c&itok=-jiC5Bqe) + +[Submit a General Question or Comment](/contact/general) + +- Image + +![Rule Icon](/sites/default/files/styles/icon_75_x_75_/public/2023-08/document.png?h=a7ffc51c&itok=qwNf1V5e) + +[Comment on Rulemaking](/regulation/federal-register) + +- Image + +![Translations Icon](/sites/default/files/styles/icon_75_x_75_/public/2023-08/languages_1_0.png?h=a7ffc51c&itok=GorGwUcY) + +[Mortgage Translations Questions and Comments](/contact/mortgage-translations) + +- Image + +![Discussion Topics Icon](/sites/default/files/styles/icon_75_x_75_/public/2023-08/speak.png?h=a7ffc51c&itok=YDb2S9sj) + +[Public Input](/public-input) + +​**Job Applicants** + +For vacancy announcements visit [Careers](/about/careers), [USA Jobs](http://www.usajobs.gov/) or contact the Office of Human Resources Management at 202-649-3807. diff --git a/chunks/txt/0786db38c915fe1aedd1455cc717323a66a1799d7988ea9c87078d8105d1f9bf.txt b/chunks/txt/0786db38c915fe1aedd1455cc717323a66a1799d7988ea9c87078d8105d1f9bf.txt new file mode 100644 index 0000000000000000000000000000000000000000..efc1e390ada5b99598884ca06acc7d0ee2d0249e --- /dev/null +++ b/chunks/txt/0786db38c915fe1aedd1455cc717323a66a1799d7988ea9c87078d8105d1f9bf.txt @@ -0,0 +1,171 @@ +PropertyPhoto + +\\Images\MH1_DwellingFront.png + +image/png + +DwellingFront + +\\Images\MH1_DwellingFront.png + +image/png + +PropertyAccess + +\\Images\MH1_PropertyAccess.png + +image/png + +SalesComparableMap + +\\Images\MH1_SalesCompMap.png + +image/png + +Agricultural - Barn + +NonResidentialUse + +\\Images\MH1_Barn.png + +image/png + +FloorPlan + +\\Images\MH1_Floorplan.png + +image/png + +WaterFrontage + +\\Images\MH1_Waterfront.png + +image/png + +Lake Virginia + +SiteInfluence + +\\Images\MH1_Waterfront.png + +image/png + +View + +\\Images\MH1_Waterfront.png + +image/png + +Power Lines + +View + +\\Images\MH1_PowerLines.png + +image/png + +SiteInfluence + +\\Images\MH1_PowerLines.png + +image/png + +Pier + +PermanentWaterfrontFeature + +\\Images\MH1_Pier.png + +image/png + +Dock + +PermanentWaterfrontFeature + +\\Images\MH1_Dock.png + +image/png + +Woods + +View + +\\Images\MH1_Woods.png + +image/png + +DwellingRear + +\\Images\MH1_DwellingRear.png + +image/png + +Foundation + +ManufacturedHomeExhibit + +\\Images\MH1_Foundation.png + +image/png + +Retailer's Invoice + +ManufacturedHomeExhibit + +\\Images\MH1_RetailersInvoice.png + +image/png + +Manufacturer's Invoice + +ManufacturedHomeExhibit + +\\Images\MH1_ManufacturerInvoice.png + +image/png + +OutbuildingExhibit + +\\Images\MH1_Barn.png + +image/png + +OutbuildingExhibit + +\\Images\MH1_RecRoomGarage.png + +image/png + +Recreation Room + +OutbuildingExhibit + +\\Images\MH1_RecreationRoom.png + +image/png + +Home Value + +PriceTrendGraph + +\\Images\MH1_HomeValue.png + +image/png + +5 Year Trend + +PriceTrendGraph + +\\Images\MH1_5YearTrend.png + +image/png + +LandComparableMap + +\\Images\MH1_LandCompMap.png + +image/png + +ManufacturedHomeHUDCertificationLabel + +\\Images\MH1_HUDCertificationLabel1.png diff --git a/chunks/txt/078fe1f3e62ce92817f41e76fa66aa6b7a89045cb3df5f50bb57588bff69b473.txt b/chunks/txt/078fe1f3e62ce92817f41e76fa66aa6b7a89045cb3df5f50bb57588bff69b473.txt new file mode 100644 index 0000000000000000000000000000000000000000..dde3e4b926fdf56f6f88c30f2aa171179c6f21ed --- /dev/null +++ b/chunks/txt/078fe1f3e62ce92817f41e76fa66aa6b7a89045cb3df5f50bb57588bff69b473.txt @@ -0,0 +1,39 @@ +a. Repeatable Containers + +The XML File Container tables reflect MISMO conventions for organizing and repeating sets of data. The most obvious +illustration is for repeatable containers. A plural parent container enables and holds multiple sequential occurrences of its +singular child container. Because they can occur multiple times according to trading partner specifications, these singular +containers are said to be “repeatable”. + +Repeating containers are used heavily in UCD v2.0 because they often hold a group of data points reflecting one CD line +item, for example, a fee line item. Because ucd:FeeItemType can only be present once in FEE_DETAIL, and FEE_DETAIL can +only be present once in FEE, each unique ucd:FeeItemType enumeration in a given transaction requires its own instance of +FEE. Diving deeper, a repeating container can be the parent of other repeating containers. For example, each instance of FEE + +1 Except for in chapters noted in the second paragraph of II.A. Document Organization. + +UCD v2.0 Implementation Guide + +- 3 - + +Version 1.0 + +Uniform Closing Dataset + +II. I-Guide Format + +has the child FEE_PAYMENTS. FEE_PAYMENT holds data points identifying the payor entity, when paid relative to closing, and +associated amount(s). Multiple instances of FEE_PAYMENT are provided when the payment was shared by more than one +entity or a portion was paid before and at closing. At least one and up to five sequential instances are provided. + +Table 1. XML File Containers Supporting Data. + +UCD UIDs + +Container Names + +UCD v2.0 Usage Notes + +▪ The UCD Spec Unique ID + +▪ Containers are listed in order of the XML file, without diff --git a/chunks/txt/07922e461712bc932c03c163381b72958654df812dbfe911565e6721909b7330.txt b/chunks/txt/07922e461712bc932c03c163381b72958654df812dbfe911565e6721909b7330.txt new file mode 100644 index 0000000000000000000000000000000000000000..c7b5c0585203bc176da97cf743b3197b456080db --- /dev/null +++ b/chunks/txt/07922e461712bc932c03c163381b72958654df812dbfe911565e6721909b7330.txt @@ -0,0 +1,15 @@ +For More Information + +https://www.benefits.va.gov/homeloans/contact_rlc_info.asp + +More information can be found in the Help Center, which is accessed through the Desktop Originator® (DO®)/DU User Interface. +Additionally, lenders may contact their Fannie Mae Business Account Management Solutions team, and mortgage brokers should +contact their DO sponsoring wholesale lender. For questions regarding VA policies and guidelines, lenders and mortgage brokers +should contact their VA Regional Loan Center. For questions regarding HUD policies and guidelines, lenders and mortgage +brokers should contact HUD at 1-800-CALL-FHA (1-800-225-5342). + +© 2023 Fannie Mae. Trademarks of Fannie Mae. + +1.4.23 + +2 of 2 diff --git a/chunks/txt/07930d2770f270c2bd24d615129b68ede1f9a6792759911acdcb9e6bad7ad9a9.txt b/chunks/txt/07930d2770f270c2bd24d615129b68ede1f9a6792759911acdcb9e6bad7ad9a9.txt new file mode 100644 index 0000000000000000000000000000000000000000..2ee9577bcc3807366c52b857cd58126142dc5f31 --- /dev/null +++ b/chunks/txt/07930d2770f270c2bd24d615129b68ede1f9a6792759911acdcb9e6bad7ad9a9.txt @@ -0,0 +1,64 @@ +Enterprises. See FHFA 2010 Order, 75 FR at 41188. +However, on further consideration, FHFA will now +add Note Amount to the PUDB to identify the +subset of seasoned loans purchased by the +Enterprises where there is a difference between the +Note Amount and the UPB at the time of purchase. + +percentage to at least three decimal +places.50 Interest Rate is currently +disclosed in the PUDB Single-Family +National File C in bins of 0.5 percent. +Interest Rate will be disclosed in the +PUDB Single-Family Census Tract File +as the actual note rate to at least three +decimal places, consistent with the +Regulation C definition and CFPB +Privacy Guidance.51 + +Construction Method and Total Units: +The HMDA Property Type data element +was disaggregated in 2018 by Regulation +C into two new data elements: +Construction Method; and Total Units.52 +Property Type previously had values for +Manufactured Home, Multifamily, and +Single-Family Home (1–4 Units, Other +Than Manufactured). The new HMDA +Construction Method and Total Units +data elements provide a clearer +disclosure of the type of housing and +number of units. Construction Method +indicates Site Built or Manufactured +Home. Total Units indicates the number +of units. There are no longer values for +Multifamily or Single-Family Home, +although ‘‘multifamily’’ is defined +elsewhere in Regulation C as ‘‘five or +more individual dwelling units.’’ 53 + +The Property Type data element is +currently disclosed in the PUDB Single- +Family Census Tract File, aligned with +the previous Regulation C definition. In +addition, the PUDB Single-Family +National Files A and B already publish +a data element named Number of Units, +which corresponds to the HMDA Total +Units data element. These existing data +fields will be changed in the PUDB +Single-Family Census Tract File to +conform with HMDA by adding a new +Construction Method field and +disclosing Number of Units in the +Census Tract File. Construction Method +will be disclosed without modification, +in conformance with the CFPB Privacy +Guidance.54 Number of Units will be +disclosed as 1, 2, 3, or 4 units for single- +family loans. Number of Units will also +continue to be disclosed in the PUDB +Single-Family National Files A and B. +Loan Term: Loan Term is a new +HMDA data element that discloses the +number of months until the loan reaches diff --git a/chunks/txt/079dd61f6fbc42bda3928d5b0507a031847c97ab804d48c791726a5425d7aa20.txt b/chunks/txt/079dd61f6fbc42bda3928d5b0507a031847c97ab804d48c791726a5425d7aa20.txt new file mode 100644 index 0000000000000000000000000000000000000000..99f13150c5c86b682dbaebb904825385b6ad3b48 --- /dev/null +++ b/chunks/txt/079dd61f6fbc42bda3928d5b0507a031847c97ab804d48c791726a5425d7aa20.txt @@ -0,0 +1,123 @@ +…ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE + +4.008 + +CeilingRatePercent + +4.009 + +CeilingRatePercentEarliestEffectiveMonthsCount + +4.012 + +FirstRateChangeMonthsCount + +11.058 + +FloorRatePercent + +11.056 MarginRatePercent + +12.0000 + +181 + +61 + +2.5000 + +2.5000 + +…ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHAN +GE_ADJUSTMENT_RULE + +4.010 + +AdjustmentRuleType + +11.079 + +PerChangeMaximumIncreaseRatePercent + +4.011 + +PerChangeRateAdjustmentFrequencyMonthsCount + +First + +2.0000 + +36 + +Provide this value to identify the +first adjustment after closing + +…ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULES/INTEREST_RATE_PER_CHAN +GE_ADJUSTMENT_RULE + +4.010 + +AdjustmentRuleType + +Subsequent + +Provide this value to identify +subsequent adjustments after +closing + +11.079 + +PerChangeMaximumIncreaseRatePercent + +2.0000 + +4.011 + +PerChangeRateAdjustmentFrequencyMonthsCount + +36 + +UCD v2.0 Implementation Guide + +- 33 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 25. XML File Snippet - Example of ARM Data. + + +… + + + + + + + + + + + + +Other + 30DayAverageSOFR + + + + + +12.0000 + 181 + 61 + 2.5000 + 2.5000 + + + + First + 2.0000 + 36 diff --git a/chunks/txt/07adb35db33bf19ab1e3c918c8e08a691aefef04e2f8621464c76999979df4e8.txt b/chunks/txt/07adb35db33bf19ab1e3c918c8e08a691aefef04e2f8621464c76999979df4e8.txt new file mode 100644 index 0000000000000000000000000000000000000000..2f03afb43dfee93c5f4b1613b1fb1d11359ce3c6 --- /dev/null +++ b/chunks/txt/07adb35db33bf19ab1e3c918c8e08a691aefef04e2f8621464c76999979df4e8.txt @@ -0,0 +1,29 @@ +Desktop Underwriter/Desktop Originator Release Notes +DU Version 11.1 August Update + +July 17, 2024 + +During the weekend of Aug. 17, 2024, Fannie Mae will update Desktop Underwriter® (DU®) Version 11.1. The change will apply to +DU Version 11.1 loan casefiles submitted or resubmitted on or after the weekend of Aug. 17, 2024. + +DU Eligibility Assessment Update + +Since the release of DU 11.1 in February of 2023, certain loan casefiles for loans securing properties that support affordable supply +within their market receive an exemption from obtaining an Approve/Ineligible recommendation due to a combination of product +features and risk factors being present. To determine if a loan is eligible for this exemption, the appraised value needs to be +provided to DU. To enable more loan casefiles to receive this exemption earlier in the process, DU will be updated to use the sales +price to make this determination when an appraised value is not provided on a purchase transaction. + +Note: The difference between the sales price and the appraised value when an appraised value is provided may result in a +change in the DU recommendation. + +For More Information + +For more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions +(BAMS) team, and mortgage brokers should contact their DO sponsoring wholesale lender. + +© 2024 Fannie Mae. + +7.17.24 + +1 of 1 diff --git a/chunks/txt/07af3199f367e760c80ab37d6350878ac6a06b886118dbc1c9ebadc6a2913a9a.txt b/chunks/txt/07af3199f367e760c80ab37d6350878ac6a06b886118dbc1c9ebadc6a2913a9a.txt new file mode 100644 index 0000000000000000000000000000000000000000..b7ab11b732c8faea15614f48a3ce61c2cdc87d80 --- /dev/null +++ b/chunks/txt/07af3199f367e760c80ab37d6350878ac6a06b886118dbc1c9ebadc6a2913a9a.txt @@ -0,0 +1,25 @@ +Uniform Appraisal Dataset (UAD) 3.6 Schema v1.3 ZIP File + +This ZIP file contains the Uniform Appraisal Dataset (UAD) 3.6 schema that is consistent with the larger MISMO 3.6 schema. However, it is specific to UAD 3.6 (e.g., the enumerated values included for a given “Type” element are those specific to UAD and may be a subset of the MISMO 3.6 set of values). + +The file includes the following: + +1. "Individal" subfolder: This folder contains nine XML schema definition (XSD) files. These XSD files define the UAD 3.6 schema. +2. "Combined" subfolder: This folder is functionally identical to the "Individual" folder, except that the nine XSD files are combined into three files. +3. This readme.txt file. + +Assign the "GSE_UAD_3.6.0_v1.3.xsd" schema (in either the Combined or the Individual folders) to any UAD 3.6 .xml file to validate it. + +The XSD files included in this ZIP file define the various containers, elements, and attributes of the UAD 3.6 schema. + +Changes made for v1.2: + +1. Removed nillable = "true" from the following data elements: DocumentType, ServiceType, and ValuationSoftwareVendorName. (Change #2023-072) +2. Updated the definition of the FreddieMacCHOICEHome enumerated value. (Change #2023-041) +3. Updated the definition for FactoryBuiltCertificationExaminedIndicator. (Change #2023-041) +4. Removed "Other" as an enumerated value from the ProjectParkingSpaceAssignmentType. (Change #2023-032) +5. Removed the ProjectParkingSpaceAssignmentTypeOtherDescription as 'Other' is no longer supported enumeration of ProjectParkingSpaceAssignmentType. (Change #2023-032) +6. Removed the following data elements: PropertyConformsToSurroundingAreaIndicator, PropertyNonConformingToSurroundingAreaDescription, PropertyNonConformingToSurroundingAreaReasonType, and PropertyNonConformingToSurroundingAreaReasonTypeOtherDescription. (Change #2023-031) +7. Removed the following containers: PROPERTY_NONCONFORMING_SURROUNDING_AREA_REASON, PROPERTY_NONCONFORMING_SURROUNDING_AREA_REASONS, PROPERTY_NONCONFORMING_SURROUNDING_AREA_REASON_EXTENSION, and PROPERTY_NONCONFORMING_SURROUNDING_AREA_REASONS_EXTENSION. (Change #2023-031) +8. Removed "DetachedGarage" as an enumerated value from OutbuildingType. (Change #2023-017) +9. Removed supported enumerated definitions from CarStorageAttachmentType. (Change #2023-047) diff --git a/chunks/txt/07b462b6a3fb2264d38df7f590513c403a92ab7bdb40a10b9c11b3f2620e3e82.txt b/chunks/txt/07b462b6a3fb2264d38df7f590513c403a92ab7bdb40a10b9c11b3f2620e3e82.txt new file mode 100644 index 0000000000000000000000000000000000000000..5a9662962ac848a1e3007dffc5025193a4ccac35 --- /dev/null +++ b/chunks/txt/07b462b6a3fb2264d38df7f590513c403a92ab7bdb40a10b9c11b3f2620e3e82.txt @@ -0,0 +1,122 @@ +Uniform Residential Appraisal Report + +Page 5 of 30 +Page 5 of 30 + +Site (continued) + +View - Woods + +This is where the Woods photo would display. + +Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 6 of 30 +Page 6 of 30 + +Sketch + +Measurement Standard + +ANSI + +Floor Plan + +Dwelling Exterior + +Subject Property Units in +Structure +Dwelling Style +Front Door Elevation +Year Built +Construction Method +Converted Area + +1 +Ranch +3-4 Ft. +2019 +Manufactured +None + +This is where the Subject Property photo would display. + +Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 7 of 30 +Page 7 of 30 + +Dwelling Exterior (continued) + +Quality and Condition + +Exterior Quality Rating + +Q4 + +Exterior Condition Rating + +C1 + +The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report + +Exterior Features + +Feature +Exterior Walls and Trim + +Detail +Vinyl + +Foundation + +Roof + +Poured Concrete | Crawl +Space | Pier with Tie Down + +Composition +Estimated Age: Less than +1 year + +Quality Comment +Standard building plans and +materials + +Condition Status +New or Like New + +New or Like New + +30 year composition shingle + +New or Like New + +Condition Comment + +Foundation is a new poured +concrete footing to support +piers. + +Windows + +Vinyl + +Insulated + +New or Like New + +Core Heating System Below Grade + +Yes No +  + +Mechanical System Details + +Heating + +Cooling diff --git a/chunks/txt/07b8b73ec4daeb4fa6e23c8b0d85db94b202e2b7875f7c71156ea46e9542c51f.txt b/chunks/txt/07b8b73ec4daeb4fa6e23c8b0d85db94b202e2b7875f7c71156ea46e9542c51f.txt new file mode 100644 index 0000000000000000000000000000000000000000..56e3e48a537ab10e2441f05d316f0a19811cb4c8 --- /dev/null +++ b/chunks/txt/07b8b73ec4daeb4fa6e23c8b0d85db94b202e2b7875f7c71156ea46e9542c51f.txt @@ -0,0 +1,17 @@ +[2022 FHLBank Targeted Mission Activities Report​](/sites/default/files/2024-02/2022-FHLBank-Targeted-Mission-Activities-Report.pdf) + +**Affordable Housing Program (AHP)** + +From 1990, when the AHP was authorized, through 2023, the FHLBanks have awarded approximately $8 billion in funding, supporting approximately 1.1 million housing units. On November 20, 2018 FHFA issued a final rule amending its regulation on the FHLBanks' Affordable Housing Program. To learn more about AHP click [here](/programs/affordable-housing-program). + +**Community Investment Program (CIP)** + +In 2023, the FHLBanks issued approximately $4.2 billion in Community Investment Program advances for housing projects and almost $270.7 million for economic development projects. To learn more about CIP click [here](/node/12561#CIP). + +**Community Investment Cash Advance (CICA)** + +In 2023, the FHLBanks issued approximately $2.6​ billion in Community Investment Cash Advance advances for such projects as commercial, industrial, manufacturing, social services, and public facilities. To learn more about CICA click [here](/programs/affordable-housing-program#CICA). + +**Community Support Program (CSP)** + +The FHLBank Act requires FHFA to establish standards of community investment or service for members of the FHLBanks to maintain continued access to long-term FHLBank advances. The CSP requires each FHLBank member (except for non-depository CDFIs) to submit a Community Support Statement to FHFA once every two years. The Community Support Statement serves to document a FHLBank member's Community Reinvestment Act of 1977 (CRA) performance and support of first-time homebuyers. To learn more about CSP click [here](/programs/community-support-program-and-cdfi-membership). diff --git a/chunks/txt/07c0eba2f8e231b3a8625ec1135f44d36590c060d7d61eb92afdb394ca468263.txt b/chunks/txt/07c0eba2f8e231b3a8625ec1135f44d36590c060d7d61eb92afdb394ca468263.txt new file mode 100644 index 0000000000000000000000000000000000000000..0ff07b026cea6b204a6a012ad46b20282351ea5c --- /dev/null +++ b/chunks/txt/07c0eba2f8e231b3a8625ec1135f44d36590c060d7d61eb92afdb394ca468263.txt @@ -0,0 +1,279 @@ +AssessorUnformattedIdentifier + +1234-56-7891-000 + +AlternativePropertyIdentifier + +US-51061-N-1234567891000-R-N + +Universal Property Identifier + +TrashRemoval + +false + +false + +Fence + +OutdoorAccessories + +400 + +Wood + +Deck + +351 + +Concrete + +Porch + +OutdoorLiving + +1 + +IndoorFireplace + +WholeHome + +Other + +Media Room + +\\Images\SF1_MediaRoom.png + +image/png + +Other + +Wet Bar + +Miscellaneous + +Roof + +true + +Roof is significantly worn and has damaged flashing, but no apparent active leaks. + +1500 + +Other + +Section of Roof + +Repair + +Damaged Flashing + +\\Images\SF1_RoofDefect.png + +image/png + +Flooring + +false + +Carpet is stained in one corner of the Dining Room. + +Other + +Dining Room + +None + +Damaged Flooring + +\\Images\SF1_FloorDefect.png + +image/png + +Itemized + +1500 + +0 + +Detached + +1 + +true + +1 + +false + +false + +C4 + +Q4 + +false + +true + +FeeSimple + +false + +true + +false + +false + +false + +false + +false + +TraditionalAppraisal + +true + +true + +true + +true + +true + +true + +489000 + +2019-09-17 + +true + +true + +TypicallyMotivated + +5000 + +None + +true + +true + +true + +true + +true + +Asphalt + +Local + +true + +PublicStreet + +true + +false + +false + +Steep grade is less marketable. + +Topography + +Adverse + +Rolling + +Typical residential subdivision + +Bordering + +Residential + +Neutral + +14950 + +1 + +Public + +Electricity + +Public + +Gas + +Public + +SanitarySewer + +Public + +Water + +Neutral + +true + +Full + +Residential + +Residential - 10 Dwelling Units per Acre + +R10 + +Legal + +241 Rapid Creek Ln + +Treeville + +12345 + +VA + +Driveway + +Asphalt + +2 + +false + +BuiltIn + +Garage + +2 + +Walk Up + +Below Grade Exterior Access + +2000 + +SalesComparableAdditionalAdjustableComparisonItem + +0 + +SalesConcessions + +0 + +ContractDate + +0 + +SiteSize + +0 diff --git a/chunks/txt/07c589c766999b368baed91d747cdd07921fb49451e34d0d7d41a59dbfa27481.txt b/chunks/txt/07c589c766999b368baed91d747cdd07921fb49451e34d0d7d41a59dbfa27481.txt new file mode 100644 index 0000000000000000000000000000000000000000..4388e3cbd0aeaf79a51d51f17f88bec398693c90 --- /dev/null +++ b/chunks/txt/07c589c766999b368baed91d747cdd07921fb49451e34d0d7d41a59dbfa27481.txt @@ -0,0 +1,87 @@ +Limited Review—Established condo project + +Full Review—New condo project + +Full Review—Established condo project + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 135 of 166 + +UAD 3.6 Policy + +Project Type Code + +Description + +Fannie Mae-approved condo or PUD project, including those that + +have an approved by Fannie Mae status in CPM, + +are approved through PERS, + +receive a CPM Approved by Fannie Mae message in DU + +FHA-approved condo project + +Condo project review waived - for certain project and transaction types + +Full Review—Co-op project + +Fannie Mae-approved co-op project, including those approved through PERS + +T + +U + +V + +1 + +2 + +Special Feature Code + +Description + +588 + +Detached Condominium Unit + +Used to identify detached units in an attached or detached condominium project + +CPM ID Delivery Requirements + +Lenders are required to deliver the CPM ID number in the field for "FNM Condominium Project Manager Project Identifier" (Sort ID +39) in ULDD for the following projects: + +• projects that require the use of CPM; and +• + +Fannie Mae-approved projects that are delivered as Type T for condos or PUDs, or Type 2 for co-ops. + +Lenders are encouraged to include the condo or co-op’s HOA or Project IRS Federal Tax Identification Number (TIN) in the loan file +and in CPM. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 136 of 166 + +UAD 3.6 Policy + +Expiration for Project Reviews + +Project reviews must meet the following timeline requirements. + +Project Review Process Employed + +Expiration of Project Review + +• +• + +Limited Review +Full Review for Established Projects + +Must have been completed within one year prior to the +note date diff --git a/chunks/txt/07cad8bc237d132ee3580cad0d8adb4f031b89fcf9015ee25e0e90713296e4ba.txt b/chunks/txt/07cad8bc237d132ee3580cad0d8adb4f031b89fcf9015ee25e0e90713296e4ba.txt new file mode 100644 index 0000000000000000000000000000000000000000..efeb0c31bca2d405546f3b25a0345e83c6441e75 --- /dev/null +++ b/chunks/txt/07cad8bc237d132ee3580cad0d8adb4f031b89fcf9015ee25e0e90713296e4ba.txt @@ -0,0 +1,48 @@ +Page 332 + +▪ + +If not provided, do not display + +• Effective Age displays as a range or a single number. EffectiveAgeYearsCount is mutually exclusive with + +EffectiveAgeRangeHighYearsCount and EffectiveAgeRangeLowYearsCount. + +o Display the Age Range + +▪ EffectiveAgeRangeHighYearsCount (UID: 0300.0037, FID: 25.020) + +▪ EffectiveAgeRangeLowYearsCount (UID: 0300.0038, FID: 25.020) +▪ When (ImprovementType = "Dwelling" AND CostApproachIndicator = "true" AND EffectiveAgeYearsCount is not + +provided) +o Display the Age + +▪ EffectiveAgeYearsCount (UID: 0300.0039, FID: 25.020) + +▪ When (ImprovementType = "Dwelling" AND CostApproachIndicator = "true" AND EffectiveAgeRangeHighYearsCount is + +not provided AND EffectiveAgeRangeLowYearsCount is not provided) +• Commentary on Effective Age - EffectiveAgeDescription (UID: 0300.0036, FID: 25.022) may be provided + +o Display when (ImprovementType = "Dwelling" AND CostApproachIndicator (UID: 1000.0027, FID: Not on report) = “true” AND +Exists) OR (ImprovementType = "Dwelling" AND CostApproachIndicator = "false" AND GovernmentAgencyAppraisalIndicator = +"true") + +▪ + +If not provided, do not display + +Depreciated Cost - Outbuilding - [Outbuilding Type] + +The Depreciated Cost - Outbuilding subsection displays when CostApproachIndicator = "true" AND ImprovementType = "Outbuilding". + +Outbuilding Type + +• Outbuilding Type - OutbuildingType (UID: 0300.0025, FID: 25.023) displays in the subsection header. + +o The table repeats for each outbuilding. + +o Outbuilding Type is defined, when applicable, in the Outbuilding section. + +o The outbuilding must be linked through an arcrole. diff --git a/chunks/txt/07cb0989a53573818391ec9eaf156506091d5d431dd37399f5dddedd5f36fea6.txt b/chunks/txt/07cb0989a53573818391ec9eaf156506091d5d431dd37399f5dddedd5f36fea6.txt new file mode 100644 index 0000000000000000000000000000000000000000..93b8fdc36939b27852a97346e7d78c2033d5b4ed --- /dev/null +++ b/chunks/txt/07cb0989a53573818391ec9eaf156506091d5d431dd37399f5dddedd5f36fea6.txt @@ -0,0 +1,231 @@ +If utilities are present, at least one of fields 1- +105, 1-106 (Site Utility Public Indicator = +'Y' or Site Utility Non Public Indicator = 'Y') +must be indicated. If no utilities are present +'None' must be populated in field 1-107 (Site +Utility Non Public Description). + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +CR + +CR + +CR + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 135 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +107 + +PROJECT SITE + +Utilities +Gas +Other (describe) + +Site Utility Non +Public Description + +A free-form text field used to describe the +ownership of the utility specified by Site +Utility Type if it is a non-public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Gas']/ +@_NonPublicDescription + +113 + +114 + +115 + +116 + +117 + +118 + +119 + +120 + +121 + +122 + +123 + +124 + +125 + +126 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +108 + +PROJECT SITE + +109 + +PROJECT SITE + +110 + +PROJECT SITE + +111 + +PROJECT SITE + +112 + +PROJECT SITE + +113 + +PROJECT SITE + +Utilities +Water +Public + +Utilities +Water +Other + +Utilities +Water +Other (describe) + +Utilities +Sanitary Sewer +Public + +Utilities +Sanitary Sewer +Other + +Utilities +Sanitary Sewer +Other (describe) + +114 + +PROJECT SITE + +Off-site Improvements - Type +Street + +115 + +PROJECT SITE + +116 + +PROJECT SITE + +Street +Public + +Street +Private + +117 + +PROJECT SITE + +Off-site Improvements - Type +Alley + +118 + +PROJECT SITE + +119 + +PROJECT SITE + +Alley +Public + +Alley +Private + +Site Utility Public +Indicator + +Indicates whether the utility specified by +Site Utility Type is a public utility. diff --git a/chunks/txt/07ddb6fd0a8e54d47c7ab3b4e96f9638b167c476ee9481a284cf2e21632a7621.txt b/chunks/txt/07ddb6fd0a8e54d47c7ab3b4e96f9638b167c476ee9481a284cf2e21632a7621.txt new file mode 100644 index 0000000000000000000000000000000000000000..7dd0a4867d44adaf3796813f40c0d8ff847adbb5 --- /dev/null +++ b/chunks/txt/07ddb6fd0a8e54d47c7ab3b4e96f9638b167c476ee9481a284cf2e21632a7621.txt @@ -0,0 +1,153 @@ +Indicates that the project was +converted into the current Project +Ownership Type. + +/VALUATION_RESPONSE/PROPERTY/PRO +JECT[@_ClassificationType='PUD' and +@_ConversionIndicator='N'] + +1 + +1 + +Boolean + +Boolean + +450 + +3 + +55 + +PROJECT +INFORMATION + +PUD +If yes, date of conversion + +Project Conversion +Date + +Specifies the date the project was +converted into the current Project +Ownership Type. + +/VALUATION_RESPONSE/PROPERTY/PRO +JECT/@_ConversionDate + +12 + +Date/Time + +Data Format(s) +yyyy-mm-dd or yyyy-mm or yyyy + +PDF Display Format(s) +dd/mm/yyyy or mm/yyyy or yyyy + +451 + +3 + +56 + +PROJECT +INFORMATION + +452 + +3 + +57 + +PROJECT +INFORMATION + +PUD +Does the project contain +any multi-dwelling +units? +Yes + +PUD +Does the project contain +any multi-dwelling +units? +No + +Project Contains +Multiple Dwelling +Units Indicator + +Indicates that the project contains +multiple dwelling-units. + +/VALUATION_RESPONSE/PROPERTY/PRO +JECT[@_ContainsMultipleDwellingUnitsIndicat +or='Y'] + +Project Contains +Multiple Dwelling +Units Indicator + +Indicates that the project contains +multiple dwelling-units. + +/VALUATION_RESPONSE/PROPERTY/PRO +JECT[@_ContainsMultipleDwellingUnitsIndicat +or='N'] + +1 + +1 + +Boolean + +Boolean + +453 + +3 + +58 + +PROJECT +INFORMATION + +PUD +Multi-Dwelling Unit +Data source(s) + +Project Contains +Multiple Dwelling +Units Data Source +Description + +A free-form text field used to describe +the source of the information used to +set the Project Contains Multiple +Dwelling Units Indicator. + +/VALUATION_RESPONSE/PROPERTY/PRO +JECT/@_ContainsMultipleDwellingUnitsDataS +ourceDescription + +100 + +String + +454 + +3 + +59 + +PROJECT +INFORMATION + +PUD +Are the units, common +elements, and recreation +facilities complete? +Yes diff --git a/chunks/txt/07e317d98e62689f07a67fdd8f083937423ecb0510971ce64a15e09227028cbc.txt b/chunks/txt/07e317d98e62689f07a67fdd8f083937423ecb0510971ce64a15e09227028cbc.txt new file mode 100644 index 0000000000000000000000000000000000000000..e023bba7c389371145c584dd54d641bc6931f0f6 --- /dev/null +++ b/chunks/txt/07e317d98e62689f07a67fdd8f083937423ecb0510971ce64a15e09227028cbc.txt @@ -0,0 +1,108 @@ +SF NFC + +17 + +Federal Housing +Finance Agency + +Field # Field +Width +6 + +16 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +National File C + +Header Name + +Field Name + +Values + +Description / Comments + +repurchased_pct + +Percent Repurchased + +Example of data format: 0.8500 = +85.0%. +9999.0 = Not available + +The percentage of the outstanding balance of +the security collateralized by the high-cost +loan that the Enterprise repurchased during +the calendar(cid:3)year(cid:3)and(cid:3)held(cid:3)at(cid:3)year-end.(cid:3)Where +the Enterprise did not repurchase any portion +of the security (portfolio flag = 1), the value will +be 0.(cid:3)Where the Enterprise repurchased(cid:3)all(cid:3)of(cid:3) +the security (portfolio flag = 2), the value will +be 1.(cid:3)Where the Enterprise repurchased(cid:3)a(cid:3) +portion of the security collateralized by the +high-cost loan (portfolio flag = 2), the value will +be the percentage of the security repurchased +by the Enterprise represented as a decimal +between 0 and 1. + +End of SF NFC + +SF NFC + +18 + +Federal Housing +Finance Agency + +Field # Field +Width +1 + +1 + +2 + +3 + +8 + +2 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +Census Tract File + +Header Name + +Field Name + +Values + +Description / Comments + +enterprise + +Enterprise Flag + +1 = Fannie Mae +2 = Freddie Mac + +record_num_sf_ctf + +Record Number + +state_fips + +US Postal State Code + +Starts at 10,000,001 for Fannie Mae +and 20,000,0001 for Freddie Mac + +See the STATE/COUNTY file for a list of +State codes and names. +00 = Missing diff --git a/chunks/txt/07e46937bf81260aba92b1958db84721700a1cd0873e12e564d122ffcd7284ca.txt b/chunks/txt/07e46937bf81260aba92b1958db84721700a1cd0873e12e564d122ffcd7284ca.txt new file mode 100644 index 0000000000000000000000000000000000000000..7dc7ef50341d5ff09a4770962f587409f1b151ee --- /dev/null +++ b/chunks/txt/07e46937bf81260aba92b1958db84721700a1cd0873e12e564d122ffcd7284ca.txt @@ -0,0 +1,47 @@ +Notes: The attribute MISMOReferenceModelIdentifier is used in three different + +containers. It is important to link the attributes used more than once in the +Reference Model to their containers to accurately convey their meaning. +The GSEs are using MISMOReferenceModelIdentifier only as an attribute +of MESSAGE. + +D. Arc Roles + +See Section VI. V3.0 Reference Model Features Not Used in the ULDDS. + +E. Deprecated Data Points and Containers + +See Section VI. V3.0 Reference Model Features Not Used in the ULDDS. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 24 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +IV. Using the MISMO V3.0 Reference Model + +The MISMO V3.0 Reference Model consists of two underlying XML schema documents, +MISMO_3_0.xsd and xlink.xsd, as well as the accompanying LDD described in the preceding +section. This section describes some of the foundational concepts of the V3.0 Reference +Model in terms of the GSEs’ intended use. + +Figure IV-1. Questions Answered by a Graphical View of the MISMO v3.0 Reference Model. + + What categories of data are contained within the Reference Model? + + Where in the Reference Model can you find a given data category? + + What are the relationships among the different data categories? + + What data points are included within each category? + + Where in the Reference Model can you find a specific data point? + + + +Is a data category used more than once in the Reference Model? + + Can a group of data within a category repeat? diff --git a/chunks/txt/07e6a6340c0916991669f7a6223cb1f1338d59f098339325495369635251e703.txt b/chunks/txt/07e6a6340c0916991669f7a6223cb1f1338d59f098339325495369635251e703.txt new file mode 100644 index 0000000000000000000000000000000000000000..8794127e2a1b0b80a5fbfecb42def8dc295b5077 --- /dev/null +++ b/chunks/txt/07e6a6340c0916991669f7a6223cb1f1338d59f098339325495369635251e703.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# Enterprise Non-Performing Loan Sales Report + +## Breadcrumb + +- [Home](/) + - [Reports](/reports) + - Enterprise Non-Performing Loan Sales Report + +Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP diff --git a/chunks/txt/07eaa60d62dbdb2542fe8ada3b8ded2a2213c43c684b23b144022eff199145a5.txt b/chunks/txt/07eaa60d62dbdb2542fe8ada3b8ded2a2213c43c684b23b144022eff199145a5.txt new file mode 100644 index 0000000000000000000000000000000000000000..6cb199c993985bf2c502cfbb0043a7c75836f118 --- /dev/null +++ b/chunks/txt/07eaa60d62dbdb2542fe8ada3b8ded2a2213c43c684b23b144022eff199145a5.txt @@ -0,0 +1,121 @@ +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy + +1 + +1 + +1 + +1 + +20 + +22 + +10 + +1 + +1 + +Boolean + +Boolean + +Boolean + +Boolean + +String + +String + +Date/Time + +Boolean + +Boolean + +127 + +PROJECT SITE + +Are the utilities and off-site +improvements typical for the +market area? If No, describe + +Property Analysis +Comment + +A free-form text field that holds the +property analysis comments for the +analysis category specified by Property +Analysis Type. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type=' +UtilitiesAndOffSiteImprovementsConformToNeighborhood']/@_Comment + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +128 + +PROJECT SITE + +129 + +PROJECT SITE + +130 + +PROJECT SITE + +Are there any adverse site +conditions or external factors +(easements, encroachments, +environmental conditions, land +uses, etc.)? Yes + +Are there any adverse site +conditions or external factors +(easements, encroachments, +environmental conditions, land +uses, etc.)? No + +Are there any adverse site +conditions or external factors +(easements, encroachments, +environmental conditions, land +uses, etc.)? If Yes, describe + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type=' +AdverseSiteConditions' and @_ExistsIndicator='Y'] + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type=' +AdverseSiteConditions' and @_ExistsIndicator='N'] + +1 + +1 + +Boolean diff --git a/chunks/txt/07f4f1b898f1cb8efcf9ed28da6f2343f6702d900a23c7067a45be51a5703f92.txt b/chunks/txt/07f4f1b898f1cb8efcf9ed28da6f2343f6702d900a23c7067a45be51a5703f92.txt new file mode 100644 index 0000000000000000000000000000000000000000..ffe2ead618f7a18b8a5c2b9377b6fd16488d58eb --- /dev/null +++ b/chunks/txt/07f4f1b898f1cb8efcf9ed28da6f2343f6702d900a23c7067a45be51a5703f92.txt @@ -0,0 +1,154 @@ +22.03.01 +22.03.18 + +Site Owned in +Common + +22.03.02 +22.03.20 + +Site Size + +22.03.03 +22.03.22 + +Neighborhood +Name + +When Site +Owned in +Common is No +for the subject +or any +comparable, +or if relevant. + +If relevant + +22.03.04 +22.03.24 + +Zoning +Compliance + +If relevant + +If relevant + +Always required + +Yes | No + +Subject Property +• + +Site Owned in +Common 3.015 + +Yes +22.03.19 + +Required if Site Owned +in Common is No + +Number of acres, +square feet, +hectares, or +square meters + +Site +• + +Total Site Size +4.000 + +Required when the +row is included in the +sales comparison grid + +Required when the +row is included in the +sales comparison grid + +Subject Property +• + +Neighborhood +Name 3.003 + +Site +• + +Zoning Compliance +4.008 + +Yes +22.03.23 + +Yes +22.03.25 + +Yes +22.03.21 + +This row must be included when Site Owned in Common is No for the +subject or any comparable. + +This row may be included when making land adjustments between a mix +of properties where Site Owned in Common is not consistent among the +subject and the comparables. + +Note: Neighborhood name may not apply in some areas, such as rural +areas. In this case, enter None when the row is included in the sales +comparison grid. + +• +• +• +• + +Illegal +Legal +Legal Nonconforming +No Zoning + +Note: If the subject is Legal Nonconforming, including this row can +demonstrate marketability. + +Site +• + +Hazard Zone 4.047 + +Yes +22.03.27 + +• +• +• +• + +FEMA Special Flood Hazard Area +USGS Lava Flow Zone +None (No Hazard Zone Noted) +Other (Describe) + +Hazard Zone When the + +Always required + +22.03.05 +22.03.26 + +22.03.05 +22.03.26 + +subject or any +comparable is +in a Hazard +Zone + +Hazard Zone When the + +22.03.06 +22.03.28 diff --git a/chunks/txt/07f70c28d98009576092fd42ece7ab5eb5f1a2b1a3eb0870defaf04fc6de1d03.txt b/chunks/txt/07f70c28d98009576092fd42ece7ab5eb5f1a2b1a3eb0870defaf04fc6de1d03.txt new file mode 100644 index 0000000000000000000000000000000000000000..229c30b5be6241b2fc6e00eda2136e05b54a5e12 --- /dev/null +++ b/chunks/txt/07f70c28d98009576092fd42ece7ab5eb5f1a2b1a3eb0870defaf04fc6de1d03.txt @@ -0,0 +1,61 @@ +595000 + +false + +false + +false + +false + +true + +false + +false + +false + +Purchase + +PropertyTaxAbatementsOrExemptions + +Shareholders of the XYZ Apartments project are currently participating in a energy efficiency incentive program for property owners. The program is designed to help make energy efficiency more affordable in the form of tax abatement incentives that will be paid over the next two years. Moreover, the program helps reduce the reliance on utility-generated electricity and encourages the use of renewable energy sources. This has no impact to marketability or value. + +Neutral + +TransferFeeAttributedToSubjectProperty + +There is a private transfer fee that is paid at settlement. There is no impact to marketability, the transfer fee is a typical fee paid in this market for cooperative transfers. + +Neutral + +ProjectCommercialSpace + +There is a small dry cleaner located on project premises. + +Neutral + +SingleEntityGreatestNumberOfSharesOwned + +Add comment if needed. + +Neutral + +ProjectConversion + +Add comment if needed. + +Neutral + +IncompleteProject + +Shareholders of the XYZ Apartments Project have agreed to participate in the Urban Tree Foundation's campaign to plant 60 trees throughout the project's common areas. As of the effective date of the appraisal there were only 12 of the 60 trees planted, making the common areas incomplete. There's no measurable impact to value or marketability due to the incomplete project. The completion of the tree planting is anticipated to occur over the next 30 days. + +Neutral + +Assignment + +Additional commentary can be added here, if needed by Appraiser. + +Site diff --git a/chunks/txt/081dbe9d0a9d1b6d9797e013249eb688b0956d5e49e3f7261bb7f6045d5019d0.txt b/chunks/txt/081dbe9d0a9d1b6d9797e013249eb688b0956d5e49e3f7261bb7f6045d5019d0.txt new file mode 100644 index 0000000000000000000000000000000000000000..fdcd9974b11e5e95382708083f7c6a37ddc5c02b --- /dev/null +++ b/chunks/txt/081dbe9d0a9d1b6d9797e013249eb688b0956d5e49e3f7261bb7f6045d5019d0.txt @@ -0,0 +1,43 @@ +Page 357 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Appendix 3: ANSI Examples + +Sales Comparison Approach + +In these examples, Comparable #1 is a model match, to demonstrate how the square footages and Summary calculations (Adjusted Price Per Unit, +Adjusted Price Per Bedroom, and Price Per Gross Building Finished Area) would display in the sales grid. + +Example 2A: Unfinished Below Grade Area +In the Dwelling(s) subsection, Gross Building Finished Area includes the area of each unit (1,607 +Sq. Ft.), and the common stairwells including the area under the stairs (386 sq. ft.). + +Example 2B: Finished Below Grade Area + +In the Dwelling(s) subsection, Gross Building Finished Area includes the finished below grade area +(1,800 sq. ft.), the area of each unit (1,607 sq. ft.), and the common stairwells including the area +under the stairs (386 sq. ft.). + +In the Unit(s) subsection, the first floor unit includes the unfinished below grade area with +exterior entry only, and the second floor unit does not. + +In the Unit(s) subsection, neither unit includes the finished below grade area. + +In the Summary subsection, the above information is incorporated into the calculations. For +example, Price Per Finished Area Above Grade = Sale Price ($425,000) / (Gross Building Finished +Area (3,600) = $118. + +In the Summary subsection, the above information is incorporated into the calculations. For example, +Price Per Finished Area Above Grade = Sale Price ($425,000) / (Gross Building Finished Area (5,400) = +$79. + +Appendix F-1: URAR Reference Guide + +Page 358 of 375 + +Version 1.3 + +Uniform Appraisal Dataset diff --git a/chunks/txt/0825a96879d3ff0fae7858ac5741146430bf4b38251e92fe12a8812a054b910b.txt b/chunks/txt/0825a96879d3ff0fae7858ac5741146430bf4b38251e92fe12a8812a054b910b.txt new file mode 100644 index 0000000000000000000000000000000000000000..078b86cc58f0ffc2e7aedc428560260a2df68f25 --- /dev/null +++ b/chunks/txt/0825a96879d3ff0fae7858ac5741146430bf4b38251e92fe12a8812a054b910b.txt @@ -0,0 +1,68 @@ +The XYZ MLS indicated 10 of 34 (29.4%) of the closed sales in the market area between 09/15/2018 and 09/15/2019 contained seller +concessions. Concessions ranged between $1,000 and $25,000, and the median concession was $7,100. This level of concessions was +determined to have minimal impact on the marketability or sale prices for properties considered competitive to the subject. + +Market Exhibits + +Absorption Rate + +This is where the Absorption Rate graph would display. + +Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4) + +Uniform Residential Appraisal Report + +Page 14 of 22 +Page 14 of 22 + +Market (continued) + +Median Days on Market + +Price Trend + +This is where the Median Days on Market graph would display. + +This is where the Price Trend graph would display. + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +Listing Status +Pending + +Listing Type +MLS + +Listing ID +XYZ 0387300 + +Start Date +06/20/2019 + +End Date +09/08/2019 + +DOM +79 + +Total DOM 79 + +Starting +List Price +$825,000 + +Current or +Final List Price +$799,900 + +Analysis of Subject Property Listing History Subject was listed on June 20th, 2019, with list price of $825,000 and was listed for 40 days. On +July 31st, 2019, the price was reduced 3% to $799,900 and went under contract on 08/20/2019 for $765,000, which is approximately 7% below +the original list price and within 5% of the final list price. + +Sales Contract + +Is there a sales contract? +Was sales contract information analyzed? +Does this appear to be an arm’s length transaction? diff --git a/chunks/txt/083d0325de64f5118467613a1931f04457a66290f56cc918ea57677864aa8d42.txt b/chunks/txt/083d0325de64f5118467613a1931f04457a66290f56cc918ea57677864aa8d42.txt new file mode 100644 index 0000000000000000000000000000000000000000..5c3e6f337d61e0843fa75eefdd603554de259bc9 --- /dev/null +++ b/chunks/txt/083d0325de64f5118467613a1931f04457a66290f56cc918ea57677864aa8d42.txt @@ -0,0 +1,106 @@ +Property Rights Type +Other Description + +A free form text field used to collect +additional information when Other is +selected for Property Rights Type. + +/VALUATION_RESPONSE/PROPERTY/@_R +ightsTypeOtherDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. + +This field should be populated if field 1-30 +(Property Rights Type = 'Other') is indicated. + +SUBJECT + +Assignment Type +Purchase Transaction + +Appraisal Purpose +Type + +Specifies the purpose of the appraisal +assignment. + +/VALUATION_RESPONSE/REPORT[@Appra +isalPurposeType='Purchase'] + +SUBJECT + +Assignment Type +Refinance Transaction + +Appraisal Purpose +Type + +Specifies the purpose of the appraisal +assignment. + +/VALUATION_RESPONSE/REPORT[@Appra +isalPurposeType='Refinance'] + +SUBJECT + +Assignment Type +Other + +Appraisal Purpose +Type + +Specifies the purpose of the appraisal +assignment. + +/VALUATION_RESPONSE/REPORT[@Appra +isalPurposeType='Other'] + +9 + +9 + +9 + +Enumerated UAD Requirement - Refer to Appendix D Subject Section + +Enumerated UAD Requirement - Refer to Appendix D Subject Section + +Enumerated UAD Requirement - Refer to Appendix D Subject Section + +SUBJECT + +Assignment Type +Other (describe) + +SUBJECT + +Lender/Client + +SUBJECT + +Lender/Client Address + +Appraisal Purpose +Type Other +Description +Lender Unparsed +Name + +Appraisal Forms +Lender Unparsed +Address + +A free form text field used to collect +additional information when Other is +selected for Appraisal Purpose Type. +The name of the party or entity +designated as the lender for the loan. +The unparsed address of the lender. +Generally includes the street address, +suite number, city, state and zip code. +FORM SPECIFIC FIELD diff --git a/chunks/txt/0848d257a7564b5ced9b224b4962e23bf47cca3658941114b5e63483b0c922f6.txt b/chunks/txt/0848d257a7564b5ced9b224b4962e23bf47cca3658941114b5e63483b0c922f6.txt new file mode 100644 index 0000000000000000000000000000000000000000..3b93ec085a2c3d3bfe0b9af86afdeb3c9294d2c8 --- /dev/null +++ b/chunks/txt/0848d257a7564b5ced9b224b4962e23bf47cca3658941114b5e63483b0c922f6.txt @@ -0,0 +1,59 @@ +August 25, 2021 + +## [Framework for Adversely Classifying Loans, Other Real Estate Owned, and Other Assets and Listing Assets for Special Mention](/advisory-bulletin/ab-2021-03) + - Federal Home Loan Banks + +August 16, 2021 + +## [Agency Commercial Mortgage-Backed Securities Risk Management](/advisory-bulletin/ab-2021-02) + - Fannie Mae, Freddie Mac + +December 11, 2020 + +## [Enterprise Risk Management Program](/advisory-bulletin/ab-2020-06) + - Fannie Mae, Freddie Mac + +August 21, 2020 + +## [Enterprise Cybersecurity Incident Reporting](/advisory-bulletin/ab-2020-05) + - Federal Home Loan Banks, Fannie Mae, Freddie Mac + +August 20, 2020 + +## [Financial Reporting and Disclosure and External Audit](/advisory-bulletin/ab-2020-04) + - Federal Home Loan Banks + +July 20, 2020 + +## [Guidance on the Use of Proxies](/advisory-bulletin/ab-2020-03) + - Federal Home Loan Banks + +January 31, 2020 + +## [Acquired Member Assets Risk Management](/advisory-bulletin/ab-2020-01) + - Fannie Mae, Freddie Mac + +October 3, 2019 + +## [Compliance Risk Management](/advisory-bulletin/ab-2019-05) + - Fannie Mae, Freddie Mac + +September 18, 2019 + +## [Enterprise Fraud Reporting](/advisory-bulletin/ab-2019-04) + - Federal Home Loan Banks + +August 15, 2019 + +## [Capital Stock Management](/advisory-bulletin/ab-2019-03) + - Federal Home Loan Banks + +May 9, 2019 + +## [Implementation of Streamlined Monitoring Requirements for Affordable Housing Program Projects Funded by Certai...](/advisory-bulletin/ab-2019-02) + - Federal Home Loan Banks, Fannie Mae, Freddie Mac + +May 7, 2019 + +## [Business Resiliency Management](/advisory-bulletin/ab-2019-01) + - Federal Home Loan Banks, Fannie Mae, Freddie Mac diff --git a/chunks/txt/08678d97fbe1b29ee4d98d58b3af5f17b02d9c4fdb1aaeeb24d5799f03bfef22.txt b/chunks/txt/08678d97fbe1b29ee4d98d58b3af5f17b02d9c4fdb1aaeeb24d5799f03bfef22.txt new file mode 100644 index 0000000000000000000000000000000000000000..1e16156ac52f27b3434528fb781a80c74bb4807d --- /dev/null +++ b/chunks/txt/08678d97fbe1b29ee4d98d58b3af5f17b02d9c4fdb1aaeeb24d5799f03bfef22.txt @@ -0,0 +1,3 @@ +Detail ........................................................................................................................................................................................................................................ 206 + +Mechanical System Details ....................................................................................................................................................................................................... 208 diff --git a/chunks/txt/086c4df96471ef3db56e763d18077713bf316f62a0365dc02017efe28f39ec8c.txt b/chunks/txt/086c4df96471ef3db56e763d18077713bf316f62a0365dc02017efe28f39ec8c.txt new file mode 100644 index 0000000000000000000000000000000000000000..b3efcf2e8ac65c08fbcbd3b13979aafedc516e2f --- /dev/null +++ b/chunks/txt/086c4df96471ef3db56e763d18077713bf316f62a0365dc02017efe28f39ec8c.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/supervision/fannie-mae-and-freddie-mac" +date_accessed: "2026-01-27T17:47:56.216Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/08794433d2ea97cc31ac73ce7302fb37e4cd9621cabf151acd970e39d120eb69.txt b/chunks/txt/08794433d2ea97cc31ac73ce7302fb37e4cd9621cabf151acd970e39d120eb69.txt new file mode 100644 index 0000000000000000000000000000000000000000..a7d35a66f0fcca4fd7a06f28a9c8cce5bd0d94dc --- /dev/null +++ b/chunks/txt/08794433d2ea97cc31ac73ce7302fb37e4cd9621cabf151acd970e39d120eb69.txt @@ -0,0 +1,91 @@ +Both + +Both + +Both + +Both + +Both + +Both + +Both + +Both + +Both + +© 2025 Fannie Mae + +12.10.2025 + +6 of 7 + +Code + +Whole +Loan/MBS + +874 + +Both + +877 + +Both + +880 + +Both + +881 + +Both + +884 + +Both + +Description/Definition + +DTS LLPA Waiver +Used to waive LLPAs for eligible Duty to Serve (DTS) loans if total qualifying income of all +borrowers is less than or equal to 100% of the applicable area median income limit for the +subject property’s location. +Delivery is optional – code is auto-derived + +Address Confidentiality Program +Used to identify loans where a borrower has enrolled in, or unenrolled in, a state Address +Confidentiality Program. The seller/servicer must provide both the property address and an +alternate mailing address for these loans. + +Lender SPCP +Used to identify a loan originated under a lender’s Special Purpose Credit Program that meets +standard Fannie Mae guidelines or a variance that is not part of Fannie Mae’s SPCP. + +Zero Energy Ready Home Certification for Green Bonds +Used to identify a mortgage loan secured by a property with a Department of Energy Zero +Energy Ready Home green building certification. + +HomeReady VLIP LLPA Credit +Used to identify a HomeReady VLIP (very low-income purchase) loan where the lender +provides the borrower down payment or closing cost assistance and Fannie Mae provides an +LLPA credit back to the lender. + +886 + +Both + +First-Generation Homebuyer Loan +Used to identify a loan where all borrowers meet the first-generation homebuyer requirements. + +887 + +Both + +Builder Standby Commitment with Permanent Buydown +Used to identify a loan where a builder standby commitment (also known as a forward +commitment) has been used to reduce the interest rate to the borrower. +(Note: This SFC is only related to builder standby commitments and does not apply to loans +where the rate was reduced due solely to the payment of discount points.) diff --git a/chunks/txt/088724fb0885fb0f68af330fa766524b244199376cfb0dbbec616bc014da51d4.txt b/chunks/txt/088724fb0885fb0f68af330fa766524b244199376cfb0dbbec616bc014da51d4.txt new file mode 100644 index 0000000000000000000000000000000000000000..f6a2648b8e0af737a3fac59c884ad531f60f44d1 --- /dev/null +++ b/chunks/txt/088724fb0885fb0f68af330fa766524b244199376cfb0dbbec616bc014da51d4.txt @@ -0,0 +1,5 @@ +Header Text ......................................................................................................................................................... 80 + +Footer Text .......................................................................................................................................................... 80 + +Subject Property ............................................................................................................................................ 80 diff --git a/chunks/txt/08981b0fa3eb80640b6859fdd82ce92767e3f055b4136e82b0aedd0b985c62a4.txt b/chunks/txt/08981b0fa3eb80640b6859fdd82ce92767e3f055b4136e82b0aedd0b985c62a4.txt new file mode 100644 index 0000000000000000000000000000000000000000..c0e5dddd5d4802d8a8dd8211e1a78574d56ff971 --- /dev/null +++ b/chunks/txt/08981b0fa3eb80640b6859fdd82ce92767e3f055b4136e82b0aedd0b985c62a4.txt @@ -0,0 +1,29 @@ +UCD Integration Impact Memo + +Oct. 5, 2023 + +Impact Memo Details + +Effective +Date + +Nov. 4 + +Impacted Area + +Maintenance +Window Change + +Description + +Starting Nov. 4, the maintenance window for the UCD Collection Solution will change to align +with other Delivery application maintenance windows. The UCD Collection Solution will now be +available every day, 24 hours a day, except from 5 p.m. ET Saturday to 8 a.m. ET Sunday due to +maintenance. + +How will this affect my integrated system(s)? + +Integrated systems will be available 24 hours a day, except from 5 p.m. ET Saturday to 8 a.m. ET Sunday due to maintenance. +Downtime should be expected during the maintenance window. + +© 2023 Fannie Mae 10.15.23 Page 1 of 1 diff --git a/chunks/txt/08b52dbff1e31d5e8b8aa5f683afed6f52dc27ffa3d5bfa2d302f88046ed70ca.txt b/chunks/txt/08b52dbff1e31d5e8b8aa5f683afed6f52dc27ffa3d5bfa2d302f88046ed70ca.txt new file mode 100644 index 0000000000000000000000000000000000000000..00b89e6887c1bc7d60ef209bc9e61794fa504ee7 --- /dev/null +++ b/chunks/txt/08b52dbff1e31d5e8b8aa5f683afed6f52dc27ffa3d5bfa2d302f88046ed70ca.txt @@ -0,0 +1,84 @@ +Yes (the property is in a condominium, cooperative, or condop) +No (the property is not in a condominium, cooperative, or condop) + +Required if Property in +a Project is Yes + +Choose an +allowable answer +from table (Project +Legal Structure) + +Checkboxes are checked based on Project Legal Structure +• +• +• + +Condominium +Cooperative +Condop + +Always required + +Yes | No + +Indicates whether the property is on Native American Lands. + +Identification of appraisals for properties located on Native American Lands +provides the GSEs the ability to recognize these properties for special loan +products that support lending to members of federally recognized indigenous +tribes in tribal areas and Hawaiian Home Lands. + +Note: If Yes, Native American Lands Type (3.021) must be provided. + +3.015 + +Subject Site +Owned in +Common + +Always required + +Yes | No + +3.016 + +Homeowner +Responsible for +all Exterior +Maintenance of +Dwellings + +3.017 + +New +Construction + +Always required + +Yes | No + +Always required + +Yes | No + +Site Owned in Common: Indicates whether land associated with the property is +owned by an association, such as a condominium project, cooperative, or +condop. +• + +Yes (the land supporting the dwelling is commonly owned through an +association such as a condo, co-op or condop). +No (the homeowner owns or leases the land sole and separate from +another entity). + +• + +Note: For site condos, select No for Site Owned in Common, and Condominium +for Project Legal Structure. + +Indicates whether the homeowner is responsible for all exterior maintenance +of the dwelling(s) on the property. + +Subject Property Commentary (3.032) can be used to clarify specific +maintenance responsibilities if needed. diff --git a/chunks/txt/08b6933ef01595cd5ad8c7a61cbfc84116b19a07a7ddbfad86b606028bb79e63.txt b/chunks/txt/08b6933ef01595cd5ad8c7a61cbfc84116b19a07a7ddbfad86b606028bb79e63.txt new file mode 100644 index 0000000000000000000000000000000000000000..7ca7df1e77417a7d3be4e28fd2394a6f22fe6708 --- /dev/null +++ b/chunks/txt/08b6933ef01595cd5ad8c7a61cbfc84116b19a07a7ddbfad86b606028bb79e63.txt @@ -0,0 +1,38 @@ +o Mutually exclusive with physical depreciation, external depreciation, and functional depreciation. Deliver even +if the value is zero. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 335 + +• This is an aggregate number representing the sum of physical, functional, and external depreciation. + +• Manufactured Home Delivery Installation and Setup - ManufacturedHomeInstallationCostAmount (UID: 1100.0083, FID: 25.035) + +displays when + +o CostApproachIndicator = "true" AND ConstructionMethodType = "Manufactured" + +- Cannot be delivered as 0. + +• Total – Display ImprovementEstimatedTotalCostAmount (UID: 1100.0084, FID: 25.036) when CostApproachIndicator = "true" AND + +ImprovementType = "Outbuilding". + +o Calculated for the outbuilding as follows: ((sum of all 'ReplacementOrReproductionCostAmount') + + +'ManufacturedHomeInstallationCostAmount' (if applicable) - +((DepreciationPhysicalAmount + DepreciationFunctionalAmount + DepreciationExternalAmount) or DepreciationTotalAmount)) + +As-Is Value of Site Improvements + +The As-Is Value of Site Improvements subsection displays when Amount - SiteImprovementAsIsCostAmount (UID: 1100.0035, FID: 25.038) is +not null. + +• Site Improvements can be itemized as individual amounts and descriptions or provided as an aggregate amount and description. +• Description - SiteImprovementDescription (UID: 1100.0036, FID: 25.037) must be provided for each Amount - + +SiteImprovementAsIsCostAmount (UID: 1100.0035, FID: 25.038). (Figure 25 - 4) + +o When sent individually each instance of amount and description will appear on separate lines in the table. +o Cannot be delivered as zero. diff --git a/chunks/txt/08b97f4b55bdf7ddb3b048eb060c3fc852c35547cd5f4db1063e923de14d7d68.txt b/chunks/txt/08b97f4b55bdf7ddb3b048eb060c3fc852c35547cd5f4db1063e923de14d7d68.txt new file mode 100644 index 0000000000000000000000000000000000000000..b5935d2af8d175991a437ef4477d601f4b8a0bc3 --- /dev/null +++ b/chunks/txt/08b97f4b55bdf7ddb3b048eb060c3fc852c35547cd5f4db1063e923de14d7d68.txt @@ -0,0 +1,21 @@ +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. + +4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity), +age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present +or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis +prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law. + +5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to +the assumptions and limiting conditions in this appraisal report. + +6. I have, at a minimum, developed and reported this appraisal update in accordance with the scope of work requirements stated in this +appraisal update report and concur with the analysis and conclusions in the original appraisal. + +7. I performed this appraisal update in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were +adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal +update was prepared. + +8. I have updated the appraisal by incorporating the original appraisal report by reference. + +9. I have summarized my analysis and conclusions in this appraisal update and retained all supporting data in my work file. diff --git a/chunks/txt/08bd7e422092af586bed0e82d5e690c8e9757611619bb3165c643b87f03e0155.txt b/chunks/txt/08bd7e422092af586bed0e82d5e690c8e9757611619bb3165c643b87f03e0155.txt new file mode 100644 index 0000000000000000000000000000000000000000..2aa14a8e626709af2f1d467c789a300a948238e3 --- /dev/null +++ b/chunks/txt/08bd7e422092af586bed0e82d5e690c8e9757611619bb3165c643b87f03e0155.txt @@ -0,0 +1,56 @@ +27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable +federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation +of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. + +28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties +including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar +state laws. + +29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this +assignment. + +Signature + +Appraiser +Agatha Appraiser +Agatha Appraiser + +09/08/2019 + +Date of Signature and Report + +Level +ID +State +Expires + +Certified Residential +XYZ12345 +VA +12/31/2019 + +Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4) + +Single Family Scenario 5 (SF5) + +Introduction + +This report is for a single-family detached ranch-style home with 1,260 square feet on one level. There is +a driveway and a deck. + +Key Characteristics + +• + +• +• +• +• +• +• + +Parties associated with this transaction: + +o Client/Lender +o Appraiser diff --git a/chunks/txt/08bdee9f5932f642f126a26cfba34cd0eb23b11939e623fa12f664f06120bf32.txt b/chunks/txt/08bdee9f5932f642f126a26cfba34cd0eb23b11939e623fa12f664f06120bf32.txt new file mode 100644 index 0000000000000000000000000000000000000000..638cbc5a9960dc1a5ad415c274faae68611346e5 --- /dev/null +++ b/chunks/txt/08bdee9f5932f642f126a26cfba34cd0eb23b11939e623fa12f664f06120bf32.txt @@ -0,0 +1,113 @@ +Comparable Transfer History + +Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back) +# +1 + +Transfer Terms +Typically Motivated + +Date +11/20/2018 + +Amount +$275,000 + +Data Source +Assessor Record +MLS + +2 + +3 + +None + +Estate Sale + +11/01/2018 + +Not Disclosed + +Assessor Record +MLS + +Assessor Record +MLS + +Analysis of Prior Sale and Transfer History of Comparable Sales The prior sale for comparable #1 was a market sale listed in the MLS. The +original owner was forced to relist the property as a result of an unexpected job transfer. The appraiser was unable to determine the prior sales +price for comparable #3. Information from the tax record indicates that the property was transferred as part of an estate settlement/sale. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario + +Uniform Residential Appraisal Report + +Page 15 of 29 +Page 15 of 29 + +Sales Comparison Approach + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +General Information + +Property Address + +12345 Holiday Hwy +Surfside, HI 12345 + +13-222 N Trail Loop +Surfside, HI 12345 + +25-1837 Highmountain Pl +Surfside, HI 12345 + +22-1713 Broad Ave +Surfside, HI 12345 + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Contract Price + +Sale Price + +Financing Type + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Property Rights Appraised + +All Rights Included + +Rights Not Included + +Site + +Site Size + +Neighborhood Name + +Zoning Compliance + +Site Characteristics diff --git a/chunks/txt/08c563dfd8e27ebad6174dd27f42dc21fd22300d7ee3a1bdf657541f12c2032d.txt b/chunks/txt/08c563dfd8e27ebad6174dd27f42dc21fd22300d7ee3a1bdf657541f12c2032d.txt new file mode 100644 index 0000000000000000000000000000000000000000..d4dbeeb3c250002617d3443460486ebd523f2048 --- /dev/null +++ b/chunks/txt/08c563dfd8e27ebad6174dd27f42dc21fd22300d7ee3a1bdf657541f12c2032d.txt @@ -0,0 +1,90 @@ +Gravity Air + +Mini Split + +Passive Solar + +Radiant + +Radiators + +Stove + +A system that employs gravity to move warm air throughout the structure. + +A ductless system designed to heat certain spaces or rooms within the structure. + +A system that uses solar energy to heat a fluid, either liquid or air, and then transfer the solar heat directly to an interior +area or to a storage system for later use. +Note: Solar panels that produce electricity are reported in the Energy Efficient and Green Features section (6.001), and +not here. + +A system that supplies heat directly to the floor or to panels in the wall or ceiling of a house. + +A system that boils water in a central unit and moves steam to a radiator in an individual room or space. + +Note: Only select this answer if the stove is designed to be used as a source of heat. + +Other (Describe) + +Select Other to enter an answer that is not in the above list. + +Appendix F-1: URAR Reference Guide + +Page 155 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +12 Outbuilding + +Cooling + +Outbuilding: Mechanical System Details - Cooling + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +12.016 Cooling (System) Required if the + +Yes | No + +12.016 Cooling (System) + +outbuilding contains +ADU(s) + +If Cooling System +Exists is Yes + +Definition / Additional Guidance + +Cooling System Exists: Indicates whether there is a permanent cooling system in +the structure. +• + +If No, “None” displays. + +Choose one or +more allowable +answers from +table (Cooling +System Type) + +Cooling System Type +• +Centralized +• +Individual +• +Other (Describe) + +Cooling System Type (Choose one or more) diff --git a/chunks/txt/08c6628b8ad18b5cb33d250864e03f315925c2860fc1fc35b56d94639fba4221.txt b/chunks/txt/08c6628b8ad18b5cb33d250864e03f315925c2860fc1fc35b56d94639fba4221.txt new file mode 100644 index 0000000000000000000000000000000000000000..f10bc27e104e3a4f9da2f4c0784f44869a308ab7 --- /dev/null +++ b/chunks/txt/08c6628b8ad18b5cb33d250864e03f315925c2860fc1fc35b56d94639fba4221.txt @@ -0,0 +1,103 @@ +Project Factor +Developer/Sponsor in Control + +Known Legal Actions + +Unit Special Assessments + +Unit Tax Abatements or Exemptions + +Detail +No + +None + +None + +None + +Impact + +Comment + +Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 13 of 21 +Page 13 of 21 + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +Listing Status +Pending + +Listing Type +MLS + +Listing ID +FQ999999 + +Start Date +09/05/2019 + +End Date +09/17/2019 + +DOM +12 + +Total DOM 12 + +Starting +List Price +$489,000 + +Current or +Final List Price +$489,000 + +Analysis of Subject Property Listing History The only listing of the subject property in the past year has been for $489,000 for 12 days prior +to contract. The contract provided to the appraiser contains no atypical terms or conditions, see Sales Contract section for further analysis. + +Sales Contract + +Is there a sales contract? +Was sales contract information analyzed? +Does this appear to be an arm’s length transaction? + +Yes No +  +  +  + +Contract Price +Contract Date +Transfer Terms +Personal Property Conveyed + +$489,000 +09/17/2019 +Typically Motivated +Yes + +Personal property is not included in the appraiser’s final opinion of value + +Financial Sales Concessions + +Financial assistance paid by or on behalf of the seller as an inducement to purchase the subject property + +Known Sales Concessions +Total Sales Concessions + +Typical for Market + +Yes +$5,000 +Yes + +Sales Contract Analysis + +$5,000 concession towards repair of the carpet. Window treatments, washer and dryer, and media room projector conveyed per sales contract. diff --git a/chunks/txt/08c92bb9d735db8b82d06e6b97e0797a8ede8e5d2515e19791ac24906f348fa8.txt b/chunks/txt/08c92bb9d735db8b82d06e6b97e0797a8ede8e5d2515e19791ac24906f348fa8.txt new file mode 100644 index 0000000000000000000000000000000000000000..cd5b252f16cd21c1d4c82c19431b4e708812cf08 --- /dev/null +++ b/chunks/txt/08c92bb9d735db8b82d06e6b97e0797a8ede8e5d2515e19791ac24906f348fa8.txt @@ -0,0 +1,109 @@ +SubjectListing + +Subject was listed on June 20th, 2019 with list price of $825,000 and was listed for 40 days. On July 31st, 2019 the price was reduced 3% to $799,900 and went under contract on 08/20/2019 for $770,000, which is 7% below the original list price. + +OverallQualityAndCondition + +The exterior was recently painted, and new windows, shutters and doors were installed. However, the overall condition was reconciled to C4 given the interior condition of the primary dwelling and ADU. + +SubjectPriorSalesAndTransferHistory + +The following improvements have occurred since the prior sale of the subject: kitchen, full bath and half bath on the 1st floor have been remodeled, the exterior was recently painted, and new windows, shutters and doors were installed. + +ComparablesPriorSalesAndTransferHistory + +Comp#1: Kitchen and Bathrooms have been upgraded and updated since the last sale. Comp#3: Kitchen and Bathrooms have been upgraded and updated since the last sale. + +false + +Utilize this subsection for additional commentary as required by USPAP. + +AsIs + +2019-09-08 + +90 + +60 + +ReasonableExposureTime + +775000 + +false + +AA12345 + +false + +AmericanNationalStandardsInstitute + +false + +false + +true + +URAR Delivery Specification v1.3 + +InteriorAndExterior + +MYAPP1 + +Some Appraisal Creator1 + +11.2.2 + +Nowhere Technologies + +Empty Bank + +200 Tree St + +Somewhere + +12346 + +VA + +Lender + +Client + +IDK Appraisal Management Company + +300 Main Ave + +Somewhere + +12345 + +VA + +2020-04-30 + +5419-2123.4 + +VA + +ManagementCompany + +Agatha + +Appraiser + +123 Main St + +Nowhere + +12345 + +VA + +XYZ Appraisals + +CertifiedResidential + +2019-12-31 + +XYZ12345 diff --git a/chunks/txt/08d59144cb77f1ceb5dca6d5ed8af32b0cc264b55605d6ada15760a39564b4df.txt b/chunks/txt/08d59144cb77f1ceb5dca6d5ed8af32b0cc264b55605d6ada15760a39564b4df.txt new file mode 100644 index 0000000000000000000000000000000000000000..7118e377026b733403a805cfad7277353a31c7cc --- /dev/null +++ b/chunks/txt/08d59144cb77f1ceb5dca6d5ed8af32b0cc264b55605d6ada15760a39564b4df.txt @@ -0,0 +1,93 @@ +Subject Property Data Collection Date +The appraiser must enter the date property +data was collected from the subject property. + +1073 Hybrid/465H +1073 Desktop/465D + +REQUIREMENT + +For DesktopAppraisal/PriorHybrid the date is +from PDR used in prior hybrid (inspection +date = date of PDR) + +Reporting Format: +Date of Property Data Collection – yyyy-mm-dd +Subject Property Data Collection Date is not +applicable for ‘DesktopAppraisal/Other’ + +Page 61 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +Subject Property Data Collection Method +The appraiser must provide the method used +to obtain the information of the subject +property. + +1073 Hybrid/465H +1073 Desktop/465D + +REQUIREMENT + +Appraisal +Assignment +Type + +Subject +Property Data +Collection +Method + +Hybrid + +Hybrid + +DesktopAppr +aisal + +DesktopAppr +aisal + +Physical + +Virtual + +PriorHybrid + +Other + +Reporting Format: +Enumerations are case sensitive, and +appraiser can only select one of the values +listed above. + +Subject Property Data Collection +Workforce +The appraiser must provide the individual who +completed the property data report (PDR) +based on one of the data collection methods + +Appraiser + +AppraiserTrainee + +RealEstateAgent + +HomeInspector + +InsInspector (e.g. Insurance Inspector) + +Other + +Reporting Format: +Enumerations are case sensitive, and +appraiser can only select one of the values +listed above. diff --git a/chunks/txt/08d969ae71d09c6cb8168fbebb13e09c658d35545276a47bd137d5ef1b5ebbd0.txt b/chunks/txt/08d969ae71d09c6cb8168fbebb13e09c658d35545276a47bd137d5ef1b5ebbd0.txt new file mode 100644 index 0000000000000000000000000000000000000000..c2ae0dd23029c02563ec5bf731e1d6ec1d62027a --- /dev/null +++ b/chunks/txt/08d969ae71d09c6cb8168fbebb13e09c658d35545276a47bd137d5ef1b5ebbd0.txt @@ -0,0 +1,98 @@ +Required for each +defect, damage, or +deficiency + +Required for each +defect, damage, or +deficiency + +Allowable +Answers / Format + +Choose an +allowable answer +from table +(Vehicle Storage +Type) + +Definition / Additional Guidance + +Indicate the Vehicle Storage Type that has the defect, damage, or deficiency. + +Note: Photos or images must be provided for each physical defect, damage, or +deficiency. These display in Vehicle Storage Exhibits as “Apparent Defects, +Damages, Deficiencies” with the indicated Feature. An additional caption may +be provided. + +Other (Describe) + +For the Vehicle Storage section, choose Other and briefly describe the location +of the defect, damage, or deficiency. + +Free-form + +Description of the defect, damage, or deficiency. + +Yes | No + +Indicates whether the defect, damage, or deficiency affects the soundness and +/ or structural integrity of the improvement. + +Appendix F-1: URAR Reference Guide + +Page 164 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +13 Vehicle Storage + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +Report +Field ID + +Report Label + +When to Include + +13.009 Recommended +Action + +Required for each +defect, damage, or +deficiency + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +o + +Vehicle Storage Commentary + +Definition / Additional Guidance + +Completion +Inspection +Repair (includes replacement) +None (does not require repair, replacement, completion, or inspection) + +The recommended action for the defect, damage, or deficiency. +• +• +• +• +Note: +• + +If Completion, Inspection, or Repair is reported for any defect, damage, or +deficiency +o diff --git a/chunks/txt/08dd0091b5f7da677e9feedaef89cd454cd3cfd334087a803abd23163fbc1684.txt b/chunks/txt/08dd0091b5f7da677e9feedaef89cd454cd3cfd334087a803abd23163fbc1684.txt new file mode 100644 index 0000000000000000000000000000000000000000..1a13384f00b17b3b9780366fcdb2d9c13d0de42f --- /dev/null +++ b/chunks/txt/08dd0091b5f7da677e9feedaef89cd454cd3cfd334087a803abd23163fbc1684.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy/credit-risk-transfer" +date_accessed: "2026-01-27T17:54:20.428Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/08ea449fed175ab1466d9d465f8f886a0811397aa44b640d983942e65880522e.txt b/chunks/txt/08ea449fed175ab1466d9d465f8f886a0811397aa44b640d983942e65880522e.txt new file mode 100644 index 0000000000000000000000000000000000000000..67e9bced6fabd999e5681dc1e259c2fe0c098d7d --- /dev/null +++ b/chunks/txt/08ea449fed175ab1466d9d465f8f886a0811397aa44b640d983942e65880522e.txt @@ -0,0 +1,51 @@ +## Frequently Used Mortgage Documents + +- ## Uniform Residential Loan Application + +(Fannie Mae 1003/Freddie Mac 065) + +Image + +![Uniform Residential Loan Application](/sites/default/files/styles/portrait_thumbnail_150_x_200_/public/images-import/1003si_Page_1.jpg?h=99b43513&itok=QWJ0EGbp) + +[View application here](/mortgage-translations/document/uniform-residential-loan-application) + +- ## Mortgage Assistance Application + +(Fannie Mae/Freddie Mac Form 710) + +Image + +![Mortgage Assistance Application thumbnail](/sites/default/files/styles/portrait_thumbnail_150_x_200_/public/2023-10/710s_cover2_0.png?h=8e78e471&itok=sAk37djg) + +[View application here](/mortgage-translations/document/mortgage-assistance-application) + +- ## Your Step-by-Step Mortgage Guide + +(Freddie Mac Publication 853) + +Image + +![step by step mortgage guide](/sites/default/files/styles/portrait_thumbnail_150_x_200_/public/2023-10/yourstepbystepmortgageguide.jpg?h=ca20dc95&itok=Kayji1j6) + +[View guide here](/mortgage-translations/document/step-by-step-mortgage-guide-from-application-to-closing) + +Image + +![fhfa logo](/sites/default/files/styles/large/public/2023-06/FHFA_Seal_Solid_Blue.png?itok=JGHHqx-l) + +In + Coordination + With + +Image + +![fannie mae logo](/sites/default/files/styles/large/public/2023-06/fanniemae.png?itok=N_5fTTiu) + +Image + +![Freddie Mac logo with the words "We make home possible"](/sites/default/files/styles/large/public/2024-04/FreddieMacLogo.png?itok=rWJjhozD) + +*​**LEGAL DISCLAIMER*** + +*This Mortgage Translations clearinghouse is intended to serve as a resource for institutions serving consumers with limited proficiency in English. The material presented is for informational purposes only. FHFA is not liable for any inaccuracies in translated materials or misunderstandings due to language usage or dialect. The Mortgage Translations clearinghouse may include material created by parties other than FHFA and contains hyperlinks to materials hosted by Fannie Mae and Freddie Mac. While the Mortgage Translations clearinghouse provides a centralized location for relevant materials and information, FHFA does not endorse or guarantee the accuracy of any such third-party materials and information. Recent updates to third-party materials and information may not be reflected immediately on the Mortgage Translations clearinghouse.* diff --git a/chunks/txt/08f9475f9ef5a355d80a9af9e495d056599ead9e819fbcc8d9b0c034c427e16f.txt b/chunks/txt/08f9475f9ef5a355d80a9af9e495d056599ead9e819fbcc8d9b0c034c427e16f.txt new file mode 100644 index 0000000000000000000000000000000000000000..9cdef9dea1aee5fe994044602a44de026653b91a --- /dev/null +++ b/chunks/txt/08f9475f9ef5a355d80a9af9e495d056599ead9e819fbcc8d9b0c034c427e16f.txt @@ -0,0 +1,98 @@ +Page 45 + +Display Rules + +Always displays + +Always displays + +Always displays + +Always displays + +Always displays + +Always displays + +Always displays + +Always displays + +Always displays + +When Additional Supervisory Appraiser Certifications – AppraiserSupervisorAdditionalCertificationIndicator (UID: 2200.0088, FID: Not on report) = + +• + +“true” + +o Display sub-header: Additional Supervisory Appraiser Certifications (FID: 05.047) +o Display in italics below sub-header: Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications. +o Deliver ValuationAdditionalCertificationIncludedByType (UID: 2200.0088, FID: Not on report) = “AppraiserSupervisor” +o Display the text from ValuationAdditionalCertificationText (UID: 2200.0089, FID: 05.037) and deliver in XML. +o Additional certifications are numbered starting at 1. + +• + +“false” + +o Do not display sub-header + +Page 46 + +The Signature subsection always displays. There can be multiple signatures on the report. Every appraisal report must contain a PartyRoleType = +"Appraiser" and/or "AppraiserSupervisor". + +Report +Field ID + +Report Label +Name + +Unique ID MISMO Data Point Name + +Display Rules + +Certifications: Signature + +05.038 + +[Role] + +2200.0105 + +PartyRoleType + +05.039 + +[Signature] + +05.025 + +[Contact +Name(s)] + +2200.0095 +2200.0096 +2200.0097 +2200.0098 +2200.0106 +2200.0107 +2200.0108 + +FirstName +LastName +MiddleName +SuffixName +FirstName +LastName +MiddleName + +When PartyRoleType = "Appraiser" or "AppraiserSupervisor" +display “Appraiser” first and, when applicable, “Supervisory +Appraiser” below the appraiser (Figure 9 - 1) +Arcrole + +When PartyRoleType = "Appraiser": +− FirstName and LastName always display. +− MiddleName and SuffixName display when provided. diff --git a/chunks/txt/08fa54b1a8563559551df4c77e19db22cd8f4885470bb318e2fd4f97f4d270a5.txt b/chunks/txt/08fa54b1a8563559551df4c77e19db22cd8f4885470bb318e2fd4f97f4d270a5.txt new file mode 100644 index 0000000000000000000000000000000000000000..326b0b638c0e8e4c5da5a326dd328dceaaa773b0 --- /dev/null +++ b/chunks/txt/08fa54b1a8563559551df4c77e19db22cd8f4885470bb318e2fd4f97f4d270a5.txt @@ -0,0 +1,35 @@ +HomeStyle Renovation Mortgage without Recourse +Used to identify a HomeStyle Renovation mortgage where the renovation is complete at time +of delivery to Fannie Mae. HomeStyle Renovation mortgages can be used to both purchase a +property and finance renovations or to refinance a property that is already owned and finance +renovations. The renovations must be completed at time of delivery to Fannie Mae when this +SFC is used. + +Financed Mortgage Insurance +Used to identify mortgages that have a borrower-paid mortgage insurance premium that is +financed in whole or in part into the loan amount. +Delivery is optional – code is auto-derived +Texas Section 50(a)(6) Mortgage +Used to identify a mortgage that is originated under the provisions of Article XVI, Section +50(a)(6), of the Texas Constitution. This SFC must be used in conjunction with either SFC +003 (if the transaction is classified by Fannie Mae as a cash-out refinance transaction) or +SFC 007 (if the transaction is classified by Fannie Mae as a limited cash-out refinance +transaction). +Delivery is optional – code is auto-derived + +DU Recommendation Override +Used to identify loans originally underwritten through DU that are subsequently manually +underwritten due to erroneous credit report data. +HomeStyle Energy Improvement +Used to identify a loan that is used to finance energy-related improvements that meets the +requirements of Fannie Mae’s energy improvement feature. This SFC must be used in +conjunction with SFC 773 (ENERGY STAR®-certified Improvements) if the renovation +includes one or more ENERGY STAR-certified improvements. + +SF Disaster Response–Refinance Enhancement to Facilitate Rebuilding in Disaster +Areas +Used to identify limited cash-out refinance loans secured by a property located in a FEMA- +designated disaster area eligible for Individual Assistance; permits inclusion of subordinate +financing or cash-back to the borrower where the funds were used for documented disaster- +related repairs to the property. This SFC must be used in conjunction with SFC 007 (Limited +Cash-out Refinance). diff --git a/chunks/txt/0904301c479a7744fcec08c9d3dbb7ccaa71c181b1b5308fd77b13135d2967da.txt b/chunks/txt/0904301c479a7744fcec08c9d3dbb7ccaa71c181b1b5308fd77b13135d2967da.txt new file mode 100644 index 0000000000000000000000000000000000000000..7e0c0901716c555cc07fba79306bfc04418095dd --- /dev/null +++ b/chunks/txt/0904301c479a7744fcec08c9d3dbb7ccaa71c181b1b5308fd77b13135d2967da.txt @@ -0,0 +1,94 @@ +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Outbuilding: Not Real Property + +12.002 Considered Real +Property + +12.004 Attached to +Permanent +Foundation + +N/A + +See +iGuide + +Always required + +No + +Outbuilding Considered Real Property: Indicates whether the outbuilding is +considered real property (e.g., permanently affixed to the land). + +Displays here if +Outbuilding Type is +Manufactured Home +and Outbuilding +Considered Real +Property is No + +Yes | No + +Indicates whether the manufactured home is attached to a permanent +foundation. + +Note: If the foundation area is readily accessible, provide a photo and a caption +to identify the photo, which displays in Outbuilding Exhibits. + +Required + +Photo + +A photo of the front of the outbuilding must be provided. + +12.025 Outbuilding + +If applicable + +Free-form + +Commentary + +See +iGuide + +Outbuilding +Exhibits + +If applicable + +Photos or images + +Commentary could include information pertinent to the Outbuilding section +that is not captured in the discrete data, or additional details to support the +discrete data that is provided. + +Photos or images relevant to the Outbuilding section may be provided, which +display in Outbuilding Exhibits. If the photo or image is not specifically +indicated, provide a caption to further identify the photo or image. + +Appendix F-1: URAR Reference Guide + +Page 160 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +13 Vehicle Storage + +13 Vehicle Storage + +The Vehicle Storage section provides information about all vehicle storage for the property. The section +provides space for additional commentary, exhibits, and any apparent defects, damages, or deficiencies. diff --git a/chunks/txt/090b8d46e120bc92e26c08c717e7ee401ee21a06fc1ec9204392305dc2293743.txt b/chunks/txt/090b8d46e120bc92e26c08c717e7ee401ee21a06fc1ec9204392305dc2293743.txt new file mode 100644 index 0000000000000000000000000000000000000000..b062c0bc9b1e568af82a6f492d294b8f604fc6ba --- /dev/null +++ b/chunks/txt/090b8d46e120bc92e26c08c717e7ee401ee21a06fc1ec9204392305dc2293743.txt @@ -0,0 +1,90 @@ +Refer to Appendix E for PDF Rendering and Parsing Instructions +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +4 + +String + +Must provide a whole number or 'Unk' if not known. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +35 + +String + +282 + +2 + +52 + +SALES +COMPARISON +APPROACH + +Sale or Financing +(Line 1) + +GSE Sale Type + +The type of sale associated with the +subject or comparable property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM +PARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI +ON_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON_DETAIL/@GSESaleType + +17 + +Enumerated + +283 + +2 + +53 + +SALES +COMPARISON +APPROACH + +Sale or Financing Adjustment +(Line 1) + +Sale Price +Adjustment Amount + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL +E_PRICE_ADJUSTMENT[@_Type='SalesConcessions']/@_Amount + +10 + +Money + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +The allowable values are listed below. When representing these values in the XML +file, they must be shown exactly as they appear below: + +Allowable Values PDF Display + Comp Grid Page 1 +REOSale REO REO sale +ShortSale Short Short sale +CourtOrderedSale CrtOrd Court ordered sale +EstateSale Estate Estate sale +RelocationSale Relo Relocation sale +NonArmsLengthSale NonArm Non-arms length sale +ArmsLengthSale ArmLth Arms length sale +Listing Listing * diff --git a/chunks/txt/090d10fa75b8beecdb50f7e283db53ece963684540b643777ccf1b41d702d35d.txt b/chunks/txt/090d10fa75b8beecdb50f7e283db53ece963684540b643777ccf1b41d702d35d.txt new file mode 100644 index 0000000000000000000000000000000000000000..840028e87331f8cb450aafceef93211ce600a433 --- /dev/null +++ b/chunks/txt/090d10fa75b8beecdb50f7e283db53ece963684540b643777ccf1b41d702d35d.txt @@ -0,0 +1,72 @@ +LEGAL_ENTITY/LEGAL_ENTITY_DETAIL Holds name data points for a legal entity. In UCD, + +legal entities can be borrowers and/or property +sellers and are the companies taking part in the +transaction. + +ADDRESSES/ADDRESS + +Holds mailing address data points for the separate +PARTYs for companies that are part of the +transaction. + +ROLES/ROLE/ROLE_DETAIL + +This structure ending with ROLE_DETAIL holds +PartyRoleType, the value of which identifies the +PARTY/LEGAL_ENTITY, and their role (or reason for +participation) in the transaction. + +999.336 | 999.372 + +…ROLE/REAL_ESTATE_AGENT + +999.270/999.271/999.272 | +999.653/999.406/999.407 | +999.303/999.304/999.305 + +LICENSES/LICENSE/LICENSE_DETAIL + +Holds RealEstateAgentType identifying the +RealEstateAgent as the “Listing” or “Selling” agent. +The Listing agent represents the property seller and +the Selling agent represents the property buyer. + +This structure ending with LICENSE_DETAIL holds the +Nationwide Multistate Licensing System & Registry +(NMLS) LicenseIdentifier for the lender and mortgage + +UCD v2.0 Implementation Guide + +- 132 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Table 69. XML File Container Structure for Parties to the Transaction Data. + +UCD UIDs + +Containers + +UCD Usage Notes + +broker companies, and the LicenseIdentifier for the +closing agent company. + +N O T E : All RELATIONSHIP containers with xlink attributes have been removed from UCD v2.0 (see the following +discussion). + +1. PARTY AND PARTY ROLE TYPE + +PARTY containers under DEAL hold detailed information about an individual or organization that participated in the loan +transaction. In some cases, as with borrower data collected in each GSE’s automated underwriting system, the detail is +extensive, including multiple child containers and dozens of data points. In others, as with UCD, more limited contact +information +in one key data point— +ROLE/ROLE_DETAIL/PartyRoleType. If PartyRoleType is omitted from a PARTY container, it is impossible to know whom or +what is being described by the other data within PARTY. In this chapter, the PartyRoleType values will be used on their own +without “PartyRoleType = “ and will be capitalized and presented in English rather than upper camel case. diff --git a/chunks/txt/090dedee7f02c5520a17fd5381f97217028ac304ca08ae58b70d6f2d6ace91e8.txt b/chunks/txt/090dedee7f02c5520a17fd5381f97217028ac304ca08ae58b70d6f2d6ace91e8.txt new file mode 100644 index 0000000000000000000000000000000000000000..38c0446f4d51aa290693f77bd960c8735b4de1c4 --- /dev/null +++ b/chunks/txt/090dedee7f02c5520a17fd5381f97217028ac304ca08ae58b70d6f2d6ace91e8.txt @@ -0,0 +1,77 @@ +Appendix E: Report Style Guide + +Page 52 of 90 + +Version 1.4 + +• Content sets as TB. + +APPARENT DEFECTS, DAMAGES, DEFICIENCIES + +Subject Property Amenities Commentary (H1) + +Set Commentary as TXC x 45 picas. + +Subject Property Amenities Exhibits (H1) + +Subsection does not display if there are no exhibits. + +“Overall Quality and Condition” sets as TAB. + +Left-hand side of page + +• Overall Quality sets as TXR-B, followed by content in TXR-B. + +o “Exterior Quality – [Structure Identifier]” set as TXR-I followed by content in TXR + +(brackets do not set, they indicate a placeholder). + +o “Interior Quality – [Unit Identifier]” set as TXR-I followed by content in TXR (brackets + +do not set, they indicate a placeholder). + +Right-hand side of page + +• Overall Condition sets as TXR-B, followed by content in TXR-B. + +o Exterior Condition – [Structure Identifier] set as TXR-I followed by content in TXR + +(brackets do not set, they indicate a placeholder). + +o + +Interior Condition – [Unit Identifier] set as TXR-I followed by content in TXR (brackets +do not set, they indicate a placeholder). + +Reconciliation of Overall Quality and Condition (H1) + +Set Commentary as TXC x 45 picas. + +“Highest and Best Use” sets as TAB. + +Introductory text “Is the present use of the subject property...” sets as TX-BI. + +Left-hand side of page + +• + +“Legally Permissible,” “Physically Possible” set as TXR-B, TXR. + +Right-hand side of page + +• + +“Financially Feasible,” “Maximally Productive” set as TXR-B, TXR. + +Appendix E: Report Style Guide + +Page 53 of 90 + +Version 1.4 + +Full page width + +• + +“Yes” “No” (Y/N) followed by “Is the highest and best use of the subject property as improved +(or as proposed per plans and specifications) the present use?” sets as CK. diff --git a/chunks/txt/09212d0e8707d08eecf375be30ec777f6e9a71d49862d1b9b561d18842c2b8df.txt b/chunks/txt/09212d0e8707d08eecf375be30ec777f6e9a71d49862d1b9b561d18842c2b8df.txt new file mode 100644 index 0000000000000000000000000000000000000000..37ba6e701fbcb2ec7258e0d3c424a9f873f9d0b9 --- /dev/null +++ b/chunks/txt/09212d0e8707d08eecf375be30ec777f6e9a71d49862d1b9b561d18842c2b8df.txt @@ -0,0 +1,38 @@ +No single loan will require all of the ULDDS data points at loan delivery. In fact, +the majority of the data points will be required only when certain business +conditions exist (for example, to identify an adjustable rate mortgage), or to +address GSE-specific business requirements. + +A table listing each of the documents in the ULDDS package as well as its +description, intended audience and purpose, is provided in Section V-A. ULDDS +Document Package. + +2. GSE-Specific Implementation Guides + +On June 28, 2010, each GSE released initial GSE-specific Implementation Guides +based on the ULDDS. These document packages differ from the ULDDS by including: + +a. GSE-specific valid values for those MISMO data points that have enumerated lists, + +b. GSE-specific conditionality for the Conditionally Independent ULDDS Appendix + +A data points, + +c. Explicit references to each GSE’s loan delivery policy guides, and + +d. Explicit references to each GSE’s loan delivery systems. + +A table listing each of the documents in the GSE-specific Implementation Guides as +well as the document’s description, intended audience and purpose, is provided in +Section V-B. GSE-Specific Implementation Guide Package. + +3. Updates to ULDDS and ULDD Documentation + +On August 25, 2010 and December 16, 2010, the GSEs published updated versions of +the ULDDS, its accompanying Appendices, and each GSE’s Implementation Guide. +Users should check each GSE’s Web sites for any subsequent updates. + +E. Overview of the User Guide + +Each section of this User Guide begins by highlighting the questions that the subject +component of the V3.0 Reference Model or LDD can answer: diff --git a/chunks/txt/0923c90b6ec46c4ed4ac91730f1e1ceb22aa505f178b522915a44cc42894ae03.txt b/chunks/txt/0923c90b6ec46c4ed4ac91730f1e1ceb22aa505f178b522915a44cc42894ae03.txt new file mode 100644 index 0000000000000000000000000000000000000000..d71000962953a44de6bc3bd5c0c1e3400b4da515 --- /dev/null +++ b/chunks/txt/0923c90b6ec46c4ed4ac91730f1e1ceb22aa505f178b522915a44cc42894ae03.txt @@ -0,0 +1,44 @@ +25.2 | 25.2.1 + +K. TOTAL PAYOFFS AND +PAYMENTS + +▪ Integrated Disclosure Section Total + +Amount + +▪ Integrated Disclosure Section Type = + +Total Payoffs And Payments + +▪ Integrated Disclosure Section Total + +Amount + +B. GSE SPECI FI C DATA POI NTS + +While developing Appendix I, the GSEs identified certain data points that must be included in the UCD file which +are not on the Closing Disclosure. These GSE-Specific data points fall into three categories. + +1. TO SUPPORT ATR AND QM REQUI REMENTS + +THE GSES NEED TO COLLECT REGULATION Z “ABILITY TO REPAY (ATR)” AND “QUALIFIED MORTGAGE (QM)” DATA ON CLOSING +TRANSACTION FEES AND LOAN COSTS THAT ARE NOT ON THE CLOSING DISCLOSURE. APPENDIX I ASSOCIATES THESE DATA POINTS +WITH THE CLOSING DISCLOSURE SECTION TO WHICH THEY MOST CLOSELY RELATE. IN THE I-GUIDE, THESE DATA POINTS ARE +I NCLUDED I N THE EXPL ANATI ONS FOR 3. 3 PRODUCT, 4. 2 I NTEREST RATE, B. FOR MORE +I NFORMATI ON +8.0 Reg §1026.38(g), pp. 80123, 80353, 80011; Cross reference to §1026.37(g) pp. 80116, 80342, 79959. + +8.1 Reg §1026.38(g)(1), pp. 80123, 80353, 80011; Cross reference to §1026.37(g)(1) pp. 80117, 80342-3, + +79959. + +8.2 | 8.3 Reg §1026.38(g)(1), pp. 80123, 80353, 80011; Cross reference to §1026.37(g)(1) pp. 80117, 80342-3, + +79959. + +8.4 Reg §1026.38(g)(2), pp. 80123, 80353, 80011; Cross reference to §1026.37(g)(2) pp. 80117, 80343, 79960- + +61. + +8.5 – 8.9 Reg §1026.38(g)(2), pp. 80123, 80353, 80011; Cross reference to §1026.37(g)(2) pp. 80117, 80343, diff --git a/chunks/txt/092e2e5846d819fb9b9f0f4b25e8288e999cc489d3df43437603a9cf9c298066.txt b/chunks/txt/092e2e5846d819fb9b9f0f4b25e8288e999cc489d3df43437603a9cf9c298066.txt new file mode 100644 index 0000000000000000000000000000000000000000..4bed8ec94bbeeda809f707a227889248c30dc3e4 --- /dev/null +++ b/chunks/txt/092e2e5846d819fb9b9f0f4b25e8288e999cc489d3df43437603a9cf9c298066.txt @@ -0,0 +1,87 @@ +20.6 | +20.7 + +20.1 | +4.2.3 +(2) + +20.1 – +20.7 | +4.2.1 + +BuydownIncreaseR +atePercent + +1.0000 + +ROF as 1% + +BuydownDuration +MonthsCount + +BuydownChangeFr +equencyMonthsCo +unt + +36 + +12 + +…/BUYDOWN/BUY +DOWN_RULE/EXTE +NSION/OTHER + +gse:BuydownReflec +tedInNoteIndicator + +true + +▪ Data point +values not +shown - used for +calculation +▪ ROF as “3” + +When +BuydownReflectedI +nNoteIndicator = +“true”, the +BUYDOWN +Structure must be +used + +20.3 | +4.2.3(2) + +Minimum +/Maximum Interest +Rate + +…/TERMS_OF_LOA +N + +NoteRatePercent + +5.8750 + +ROF as “5.875%” + +3. MAPPI NG GUI DANCE + +20.2 | 20.4 BuydownInitialEffectiveInterestRatePercent and BuydownChangeFrequencyMonthsCount support + +values disclosed in both the Loan Terms and AIR Tables, but appear in the XML file only once. + +B. FOR MORE I NFORMATI ON + +20.0 Reg §1026.38(n), pp. 80127-28, 80359, 80036-37; Cross Reference to §1026.37(j) pp.80119, 80346, 79972- +3; Sample Form H-24(C) Mortgage Loan Transaction Loan Estimate—Interest Only Adjustable Rate Sample, +pp. 80147-80150. + +20.1 Reg §1026.38(n)(i) and (ii) p. 80036; §1026.37(j)(1) and (2) pp. 80119, 80346, 79973-4. + +20.2 Reg §1026.38(n)(iii) p. 80036; §1026.37(j)(3) pp. 80119, 80346, 79973-4. + +20.3 Reg §1026.38(n)(iv) p. 80036; §1026.37(j)(4) pp. 80119, 80346, 79973-4. + +20.4 Reg §1026.38(n)(v) p. 80036; §1026.37(j)(5) pp. 80119, 80346, 79973-4. diff --git a/chunks/txt/093c253806ace5be13cb39ec90fd2c91f60af7d3b8cbe44714a9501cf856221b.txt b/chunks/txt/093c253806ace5be13cb39ec90fd2c91f60af7d3b8cbe44714a9501cf856221b.txt new file mode 100644 index 0000000000000000000000000000000000000000..9b0872b4b1194e83d1b2c99ac8eabcb56e01d895 --- /dev/null +++ b/chunks/txt/093c253806ace5be13cb39ec90fd2c91f60af7d3b8cbe44714a9501cf856221b.txt @@ -0,0 +1,67 @@ +Total Units: The Regulation C + +amendments added a new Total Units +data element that discloses the number +of units in ranges.149 The PUDB +Multifamily National File previously +included a data element called Total +Number of Units that disclosed the +actual number of units without +modification. Because Total Number of +Units is now a HMDA data element, it +will be added to the Census Tract File. + +142 12 CFR 1003.4(a)(5) and (31). +143 Official Interpretations, comment 4(a)(5)–2. +144 84 FR at 656. +145 12 CFR 1003.4(a)(25). +146 Official Interpretations, comment 4(a)(25)–3. +147 84 FR at 656. +148 12 U.S.C. 4543(b)(2). +149 80 FR at 66157, 66227. + +It will now be disclosed in the National +File in ranges, rather than as the actual +number of units as previously disclosed. +This conforms to the CFPB Privacy +Guidance, except for a minor change to +the CFPB’s intended ranges.150 + +Action Taken Date (Loan Originated): + +Action Taken Date is an unchanged +HMDA data element that reports the +action, and the date that action was +taken.151 For the Enterprise data and +PUDB purposes, the relevant HMDA +Action Taken Date values are Loan +Originated and Purchased Loan +(discussed below in Section II.C.2.ii.).152 +The CFPB intends to withhold all +Action Taken Dates from its public +dataset since the exact dates could be +used to match to other public datasets +with individually identifying +information.153 However, the year of +origination or purchase can always be +inferred from the CFPB’s public dataset +because it only contains loans that were +originated or purchased in that year— +e.g., the dataset with 2018 data only +contains loans originated or purchased +in 2018. The current PUDB Multifamily +National File includes a field for Date of +Mortgage Note that conforms with the +HMDA Loan Originated value. Date of +Mortgage Note is modified in the +current PUDB to disclose whether the +loan was originated in the same year it +was acquired, or in any prior year. To +conform with the CFPB Privacy +Guidance, Date of Mortgage Note will be +disclosed in the Census Tract File. This +modification conforms with the CFPB’s +intended withholding of the actual date +since the year of origination can be +inferred from the year of the CFPB’s +public dataset. diff --git a/chunks/txt/0943f5a8d7a357a99d4a3345f52e6f1b0ca11d7217773654dd3346484bed7306.txt b/chunks/txt/0943f5a8d7a357a99d4a3345f52e6f1b0ca11d7217773654dd3346484bed7306.txt new file mode 100644 index 0000000000000000000000000000000000000000..b0bf42975988e9abef7efa383f0b92337c827c33 --- /dev/null +++ b/chunks/txt/0943f5a8d7a357a99d4a3345f52e6f1b0ca11d7217773654dd3346484bed7306.txt @@ -0,0 +1,77 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/@SalesHistoryNotResearchedComment + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +PRIOR SALE +HISTORY + +PRIOR SALE +HISTORY + +PRIOR SALE +HISTORY + +PRIOR SALE +HISTORY + +PRIOR SALE +HISTORY + +PRIOR SALE +HISTORY + +My research Did reveal any prior sales +or transfers of the subject property for +the three years prior to the effective date +of this appraisal. + +My research Did Not reveal any prior +sales or transfers of the subject property +for the three years prior to the effective +date of this appraisal. +Subject Prior Sales History +Data Source(s) +My research Did reveal any prior sales +or transfers of the comparable sales for +the year prior to the date of sale of the +comparable sale. + +My research Did Not reveal any prior +sales or transfers of the comparable sales +for the year prior to the date of sale of +the comparable sale. +Comparable Prior Sales History +Data Source(s) + +Subject Has Prior +Sales Indicator + +Indicates whether the subject property has +prior sales history. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/SUBJECT[@_HasPriorSalesIndicator='Y'] + +Subject Has Prior +Sales Indicator + +Indicates whether the subject property has +prior sales history. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/SUBJECT[@_HasPriorSalesIndicator='N'] + +Data Source +Description + +A free-form text field used to describe the +source of information. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/SUBJECT/@DataSourceDescription diff --git a/chunks/txt/0949c0982683dbd0422c451e503b847c45d0d95793d6d4559933a0adc854fee1.txt b/chunks/txt/0949c0982683dbd0422c451e503b847c45d0d95793d6d4559933a0adc854fee1.txt new file mode 100644 index 0000000000000000000000000000000000000000..3bc58d9ce321cb85b0cf4ae8f73a9174be3a7115 --- /dev/null +++ b/chunks/txt/0949c0982683dbd0422c451e503b847c45d0d95793d6d4559933a0adc854fee1.txt @@ -0,0 +1,80 @@ +The table below provides an overview of property types, including their descriptions and the property valuation method(s). + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 55 of 166 + +UAD 3.6 Policy + +Property type + +Single Family + +Condominium + +Manufactured Home + +Description + +Property Valuation Method(s) + +Traditional Appraisal + +• +• Hybrid Appraisal* +• Desktop Appraisal** + +Traditional Appraisal + +• +• Hybrid Appraisal* + +Traditional Appraisal + +One-unit detached, attached, or semi- +detached properties and one-unit +dwellings with a conforming or non- +conforming accessory dwelling unit(s) +(ADUs), including properties in a +planned unit development (PUD). + +One-unit attached and detached +properties in a condominium project. + +One-to four-unit single- and multi- +section s t a n d a r d manufactured +homes. + +MH Advantage properties consisting of +single- and multi-sections. + +Cooperative + +One-unit properties in a co-op project. + +Traditional Appraisal + +Two- to four-unit + +Two- to four-unit properties (including +properties in a PUD, condo, or co-op +project). + +Traditional Appraisal + +* See SB4-1.2-03, Hybrid Appraisals for eligible transactions. +** See SB4-1.2-02, Desktop Appraisals for eligible transactions. + +Exhibits for the Uniform Residential Appraisal Report + +The exhibits in the following table must accompany the appraisal report. In addition to these requirements, the appraiser is +expected to include any additional commentary or exhibits, as needed, to adequately support the opinion of market value. + +Exhibit + +Requirements + +A floor plan is required for the following: + +Floor plan or footprint +sketch and calculations diff --git a/chunks/txt/0949f7c365bfa7508951530c70267112aa1175b742d296a4a9efbf4fc86948d0.txt b/chunks/txt/0949f7c365bfa7508951530c70267112aa1175b742d296a4a9efbf4fc86948d0.txt new file mode 100644 index 0000000000000000000000000000000000000000..d0574c179f04de13999877a62e0cb6f3997d86a4 --- /dev/null +++ b/chunks/txt/0949f7c365bfa7508951530c70267112aa1175b742d296a4a9efbf4fc86948d0.txt @@ -0,0 +1,3 @@ +Rent Schedule ........................................................................................................................................................................................................................... 299 + +Comparable Rental Properties ................................................................................................................................................................................................. 303 diff --git a/chunks/txt/094b6fed7309fc137bf920b3350b32ff91f1a3e9753ae015bdb2dfd2b1cf5a42.txt b/chunks/txt/094b6fed7309fc137bf920b3350b32ff91f1a3e9753ae015bdb2dfd2b1cf5a42.txt new file mode 100644 index 0000000000000000000000000000000000000000..500ee651b0f52e5a0a07a4a75b92a1ab86467dfd --- /dev/null +++ b/chunks/txt/094b6fed7309fc137bf920b3350b32ff91f1a3e9753ae015bdb2dfd2b1cf5a42.txt @@ -0,0 +1,85 @@ +From Appendix D-1: 2- to 4-Unit Sample Scenario: + +When the subject property or a sales comparable has more than 1 unit, identification of which comparable unit(s) are being compared to +which subject unit(s) is done using an arcrole. + +Unique ID + +Parent Container + +MISMO Attribute Name + +Supported Attribute Enumerations + +1800.0360 + +RELATIONSHIP + +@xlink:arcrole + +urn:fdc:mismo.org:2009:residential/PROPERTY_UNIT_IsComparableFor_PROPERTY_UNIT + +1800.0361 + +RELATIONSHIP + +@xlink:from + +PROPERTY_UNIT_n + +1800.0362 + +RELATIONSHIP + +@xlink:to + +PROPERTY_UNIT_n + +3900.0157 + +PROPERTY_UNIT + +@xlink:label + +PROPERTY_UNIT_n + +3900.0119 + +PROPERTY_UNIT + +@xlink:label + +PROPERTY_UNIT_n + +The PROPERTY_UNIT container from the comparable property is linked to the subject's instance of the PROPERTY_UNIT container to which it +was compared. In Figure 22 - 20, unit 2 of sales comparable #3, located in building 1 was compared with subject’s unit 2, located in building 2. +An arcrole connects these 2 units as shown below. + +Appendix B-1: URAR Implementation Guide v1.3 + +Unit 2 of sales comparable#3 has xlink:label + +Subject’s unit 2 located in building 2 has xlink:label as shown below. + +Page 297 + +The containers are linked with an arcrole: + +DATA_SOURCE to PROPERTY + +When the data source is associated with a sales comparable, provide the relationship that joins to the applicable instance of PROPERTY +where the ValuationUseType = "SalesComparable". + +Unique ID + +Parent Container + +MISMO Attribute Name + +Supported Attribute Enumerations + +1800.0374 RELATIONSHIP + +@xlink:arcrole + +urn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_PROPERTY diff --git a/chunks/txt/0957df9200013b437ac5bb0cff438d96d8703c080bb29220c598b03e02defb06.txt b/chunks/txt/0957df9200013b437ac5bb0cff438d96d8703c080bb29220c598b03e02defb06.txt new file mode 100644 index 0000000000000000000000000000000000000000..ca49eac6721b9dd6034b280bef163332d8d9643c --- /dev/null +++ b/chunks/txt/0957df9200013b437ac5bb0cff438d96d8703c080bb29220c598b03e02defb06.txt @@ -0,0 +1,86 @@ +Free-form + +Private Utility Comment or Public Utility Comment +When Adverse, describe the impact to value and / or marketability. Additional +commentary may be provided to include details and other information. +Note: Fees for private utilities are reported here and not in the Project +Information section. + +Report +Field ID + +4.073 +4.079 +4.085 +4.091 +4.097 + +4.074 +4.080 +4.086 +4.092 +4.098 + +Allowable Answer + +Battery Storage + +Electricity Source (Choose all that apply) + +Definition / Additional Guidance + +Permanent system designed to store energy that can be operated independently from the primary electricity source of the +property. + +Permanent Generator + +Permanent backup electrical system that operates in the event of a power interruption. + +Solar + +Wind + +Other (Describe) + +Select Other to enter an answer that is not in the above list. + +Allowable Answer + +Definition / Additional Guidance + +Cistern + +An artificial reservoir used for collecting and storing rain water. + +Hauled Water Holding Tank + +Holding tank used in conjunction with water purchased and hauled to the site. + +Water Source (Choose all that apply) + +Lake or Spring + +Well + +Other (Describe) + +Select Other to enter an answer that is not in the above list. + +Allowable Answer + +Definition / Additional Guidance + +Water Well Type (Choose one) + +Artesian + +Drilled + +Dug + +A well bored perpendicularly into water-bearing strata lying at an angle, so that natural pressure produces a constant +supply of water with little or no pumping. + +A well that is constructed by percussion or rotary-drilling machines. + +A well dug by shovel or backhoe, also referred to as bored. diff --git a/chunks/txt/097777dd2da3c8bfdc72330fff0cf630db2f4d7f65d94d742020ffdabc2c8a9e.txt b/chunks/txt/097777dd2da3c8bfdc72330fff0cf630db2f4d7f65d94d742020ffdabc2c8a9e.txt new file mode 100644 index 0000000000000000000000000000000000000000..b7b2efed998353b61275d3f42ba31f6d66647346 --- /dev/null +++ b/chunks/txt/097777dd2da3c8bfdc72330fff0cf630db2f4d7f65d94d742020ffdabc2c8a9e.txt @@ -0,0 +1 @@ +© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. diff --git a/chunks/txt/097d75501a9e8015e96f066745668e80a9de0eeb7436ffe94401c9a218cb725d.txt b/chunks/txt/097d75501a9e8015e96f066745668e80a9de0eeb7436ffe94401c9a218cb725d.txt new file mode 100644 index 0000000000000000000000000000000000000000..de484f6063bdba272d250f638c28466fcea78c40 --- /dev/null +++ b/chunks/txt/097d75501a9e8015e96f066745668e80a9de0eeb7436ffe94401c9a218cb725d.txt @@ -0,0 +1,136 @@ +Page 126 + +Report +Field ID + +Report Label + +Unique ID + +MISMO Data Point Name + +4.039 + +View + +1500.0120 + +ViewType + +Display Rules + +Always displays + +Site: View and Impact to Value/Marketability + +4.039 + +(Primary) + +1500.0117 + +ViewPrimaryIndicator + +Display when multiple views are provided +− (Primary) displays to the right of the view +− The primary view must be in the first row +− When there is only 1 view, (Primary) does not display + +4.040 + +4.041 + +Range of View + +1500.0118 + +ViewRangeType + +Impact + +1500.0184 + +ValueMarketabilityImpactType + +Always displays + +Always displays + +View Commentary + +4.042 + +View Commentary + +1500.0257 + +ValuationCommentText + +Display when exists + +Figure 4 - 8 + +Site Features and Impact to Value/Marketability + +The appearance of the Site Features and Impact to Value/Marketability table varies based on the details of the property being appraised. + +• Non-Residential Property Use +• Hazard Zone +• Property Restrictions (EncumbranceType = “ConditionsCovenantsRestrictions”) + +Appendix B-1: URAR Implementation Guide v1.3 + +• Easements (EncumbranceType = “Easements”) +• Encroachments (EncumbranceType = “Encroachments”) +• Site Characteristics + +Page 127 + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +Display Rules + +Site: Site Features and Impact to Value/Marketability + +4.043 + +Non-Residential Property Use 1500.0034 + +PropertyMixedUsageIndicator + +Display when LandOwnedInCommonIndicator = "false" + +4.044 + +Detail + +1500.0040 + +NonResidentialUseType + +4.045 + +Impact + +1500.0190 + +ValueMarketabilityImpactType + +4.046 + +Comment + +1500.0189 + +ValuationCommentText + +Hazard Zone + +4.047 + +Detail diff --git a/chunks/txt/0991282d242c29b8e1362e7842f6bbddfd35f4fccc97f84deefd5d1ef3fb8dc0.txt b/chunks/txt/0991282d242c29b8e1362e7842f6bbddfd35f4fccc97f84deefd5d1ef3fb8dc0.txt new file mode 100644 index 0000000000000000000000000000000000000000..32353a70134a7374115c595747b823cd712097c1 --- /dev/null +++ b/chunks/txt/0991282d242c29b8e1362e7842f6bbddfd35f4fccc97f84deefd5d1ef3fb8dc0.txt @@ -0,0 +1,120 @@ +"0" + +1. Prepaid Item Type = "Prepaid Interest" +2. Prepaid Item Per Diem Amount > 0 +3. Integrated Disclosure Section Type = + +"Prepaids" + +4. Prepaid Item Actual Payment Amount ≠ + +"0" + +© 2022 Freddie Mac and Fannie Mae. Trademarks are property of their respective owners. + +Confidential + +Fannie Mae Confidential + +This document 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. + +Updated UCD Requirements for Phase 3 (different from UCD Specification v1.5) + +Phase UID Data Point + Enum Form Field Name / + +UCD Specification v1.5 + +Superseding CEM Requirement + +3 + +8.253 Prepaid Item + +Context + +Payment Paid By +Type + +Escrow Monthly +Payment Amount + +Escrow Item +Payment Paid By +Type + +Escrows + +Escrow Item Type exists + +Fee Paid To Type Escrows + +Escrow Monthly Payment + +Amount > “0” + +8.171 +8.140 +8.277 +8.285 + +8.173 +8.142 +8.279 +8.287 + +8.189 +8.179 +8.282 +8.290 + +1. Escrow Item Type exists +2. Integrated Disclosure Section Type = +"Initial Escrow Payment At Closing" +3. Escrow Item Actual Payment Amount ≠ + +"0" + +1. Escrow Monthly Payment Amount > 0 +2. Escrow Item Type exists +3. Integrated Disclosure Section Type = +"Initial Escrow Payment At Closing" +4. Escrow Item Actual Payment Amount ≠ + +"0" + +8.180 Fee Paid To Type + +8.107 Fee Payment Paid + +Other Costs + +By Type + +1. Fee Type exists +2. Integrated Disclosure Section + +Type = "Other Costs" + +1. Fee Type exists +2. Integrated Disclosure Section Type = + +"Other Costs" + +3. Fee Actual Payment Amount ≠ "0" + +3 + +3 + +3 + +3 + +3 + +3 + +8.223 Lender Credit + +Lender Credits diff --git a/chunks/txt/09913229037923ff58c2195d809ccd88de802edcbe7323a7a4a0578959c4e750.txt b/chunks/txt/09913229037923ff58c2195d809ccd88de802edcbe7323a7a4a0578959c4e750.txt new file mode 100644 index 0000000000000000000000000000000000000000..ce884e95c85e0aa63df5ebafced702583d0a1a2d --- /dev/null +++ b/chunks/txt/09913229037923ff58c2195d809ccd88de802edcbe7323a7a4a0578959c4e750.txt @@ -0,0 +1,113 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTHER_FEAT +URE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='2']/@PropertyFeatu +reAdjustmentAmount + +SALES +COMPARISON +APPROACH + +Extra Item + +Property Feature +Description + +A free-form text field used to further +describe a property feature named in +Property Feature Name and associated by +Property Feature Sequence Identifier. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTHER_FEAT +URE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='3']/@PropertyFeatu +reDescription + +SALES +COMPARISON +APPROACH + +Extra Item Adjustment + +Property Feature +Adjustment Amount + +SALES +COMPARISON +APPROACH + +Adjusted Sales Price +Positive + +SALES +COMPARISON +APPROACH + +Adjusted Sales Price +Negative + +SALES +COMPARISON +APPROACH + +Net Adjustment + +Sales Price Total +Adjustment Positive +Indicator + +Sales Price Total +Adjustment Positive +Indicator + +Sale Price Total +Adjustment Amount + +SALES +COMPARISON +APPROACH + +Net Adjustment Percentage + +Sale Price Total +Adjustment Net +Percent + +Gross Adjustment Percentage + +Sales Price Total +Adjustment Gross +Percent + +Adjusted Sale Price of Comparables + +Adjusted Sales Price +Amount + +Summary of Sales Comparison +Approach + +Sales Comparison +Comment + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +The dollar amount of the adjustment made +for the property feature described by +Property Feature Description. Property +Feature Name, Description and +Adjustment are used to capture +information about property features. diff --git a/chunks/txt/0998eb50d622f3132a56250a7248ee8f7ee0f4f517606dfde4210afccf23be34.txt b/chunks/txt/0998eb50d622f3132a56250a7248ee8f7ee0f4f517606dfde4210afccf23be34.txt new file mode 100644 index 0000000000000000000000000000000000000000..599686f822a05532c95f1f7a45acf20d79cd134a --- /dev/null +++ b/chunks/txt/0998eb50d622f3132a56250a7248ee8f7ee0f4f517606dfde4210afccf23be34.txt @@ -0,0 +1,244 @@ +01/28/2022 + +110 + +Detached + +20,037 Sq. Ft. + +$(12,075) + +South View + +No Zoning + +Arterial Street +| Concrete + +$0 + +$0 + +$0 + +East Street +Estates + +Legal + +Local Road +| Asphalt + +Rolling + +$0 + +Flat + +$0 + +Residential + +$5,000 + +Busy Roadway + +$20,000 + +Neighborhood Name + +Magic Hill New Forest Pond + +$0 + +Zoning Compliance + +Street Type | Surface + +Topography + +Legal + +Local Road | Asphalt + +Flat + +Site Influence (Location) + +Park | Residential + +Legal + +Local Road +| Asphalt + +Flat + +Pond | +Residential + +View | Range + +Dwelling(s) + +Year Built + +Residential | Full + +Pond | Full + +$(10,000) + +Residential | Full + +Residential | Full + +2020 + +2019 + +$0 + +2017 + +$0 + +2019 + +$0 + +Construction Method + +Manufactured | Site Built + +Multi + +Heat Pump | Electric + +Manufactured +| Site Built + +Multi + +Heat Pump +| Electric + +Centralized + +Centralized + +Manufactured +| Site Built + +Multi + +Heat Pump +| Electric + +Centralized + +Manufactured +| Site Built + +Multi + +Heat Pump +| Electric + +Centralized + +Manufactured Home Width + +Heating + +Cooling + +Unit(s) + +Bedrooms + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +Foundation + +Condition + +Exterior Walls and Trim + +Roof + +Interior Quality and Condition + +Quality + +Kitchen + +3 + +2 | 0 + +3 + +2 | 0 + +3 + +2 | 0 + +3 + +2 | 0 + +1,568 Sq. Ft. + +1,700 Sq. Ft. + +$(8,580) + +1,352 Sq. Ft. + +$14,040 + +1,580 Sq. Ft. + +$0 + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +Quality and Condition (Ratings: 1-6, 1 is highest) + +Exterior Quality and Condition + +Quality + +Q3 + +Q3 + +Exterior Walls and Trim + +Aluminum | Synthetic Stone Cedar Siding | Synthetic Stone + +Crawl Space + +C2 + +New or Like New + +New or Like New + +Crawl Space + +C2 + +New or Like New diff --git a/chunks/txt/09a55ee06abc6b1ed314e5ac9f6b4ecfbe294bcad1fb503400bae23581065a59.txt b/chunks/txt/09a55ee06abc6b1ed314e5ac9f6b4ecfbe294bcad1fb503400bae23581065a59.txt new file mode 100644 index 0000000000000000000000000000000000000000..d1df4a0dba9a4b2d87a67819aa5266d1d7c8bcec --- /dev/null +++ b/chunks/txt/09a55ee06abc6b1ed314e5ac9f6b4ecfbe294bcad1fb503400bae23581065a59.txt @@ -0,0 +1,39 @@ +• When “true”, sales contract details must be provided. (Figure 20 - 1) + +o Does this appear to be an arm’s length transaction? - ArmsLengthIndicator (UID: 0600.0002, FID: 20.002) + +▪ Non-Arm’s length Commentary - When ArmsLengthIndicator = “false”, NonArmsLengthCommentText (UID: 0600.0003, + +FID: 20.003) must be provided. + +o Contract Price - SalesContractAmount (UID: 0600.0008, FID: 20.004) +o Contract Date - SalesContractDate (UID: 0600.0009, FID: 20.005) +o Transfer Terms - SaleType (UID: 0600.0017, FID: 20.006) +o Personal Property Conveyed - PersonalPropertyIncludedIndicator (UID: 0600.0004, FID: 20.007) + +▪ When PersonalPropertyIncludedIndicator (UID: 0600.0004, FID: 20.007) = “true”, display static text in italics, “Personal + +property is not included in the appraiser's final opinion of value” below the label Personal Property Conveyed. + +▪ Comments must be provided and display in the Sales Contract Analysis subsection. + +• When “false” + +o Does this appear to be an arm’s length transaction? and Non-Arm’s length Commentary and the sales contract details do not + +display. + +o Comments must be provided and display in the Sales Contract Analysis subsection. + +Figure 20 - 1 + +Appendix B-1: URAR Implementation Guide v1.3 + +Financial Sales Concessions + +The Financial Sales Concessions subsection including italicized text, “Financial assistance paid by or on behalf of the seller as an inducement +to purchase the subject property”, displays when SalesContractReviewedIndicator (UID: 0600.0010, FID: 20.001) = ”true”. + +Page 265 + +• Known Sales Concessions - SalesConcessionIndicator (UID: 0600.0006, FID: 20.008) diff --git a/chunks/txt/09a70523fdc1b47b9c022d1a584708b31b59f07b6fd5bd6831f595b567ab7436.txt b/chunks/txt/09a70523fdc1b47b9c022d1a584708b31b59f07b6fd5bd6831f595b567ab7436.txt new file mode 100644 index 0000000000000000000000000000000000000000..eb31d0ea04dd61feb55484b6995726a9c4f7f265 --- /dev/null +++ b/chunks/txt/09a70523fdc1b47b9c022d1a584708b31b59f07b6fd5bd6831f595b567ab7436.txt @@ -0,0 +1,78 @@ +• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 26.035.2). + + + +Descriptive caption for exhibit. +ReconciliationExhibit +zip://location/ReconciliationExhibit.jpg +image/jpeg + + + +Appendix B-1: URAR Implementation Guide v1.3 + +27 Revision History + +Page 358 + +The Revision History section summarizes revisions after the original appraisal was sent to the client. The original version will never display +this section. Each subsequent version with material changes may include this section. + +The Revision History section displays only if the information is provided. + +Report +Field ID +27.001 + +27.000 + +27.002 + +Report Label + +Unique ID + +MISMO Data Point Name + +Display Rules + +Revision History Table + +URAR Section + +Revision Date + +Description + +4000.0001 + +4000.0002 + +4000.0003 + +RevisionCategoryType + +Display when RevisionCategoryType is provided. + +RevisionDate + +RevisionText + +Display when RevisionCategoryType Exists. + +Display when RevisionCategoryType Exists. + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 27 - 1 + +Page 359 + +Reconsideration of Value + +The Reconsideration of Value subsection displays when ReconsiderationOfValueIndicator (UID: 4000.0004, FID: Not on report) = “true”. + +The ReconsiderationOfValueIndicator is always required. + +• When “false”, the Reconsideration of Value subsection is not included. +• When “true”, the Reconsideration of Value subsection displays, and additional information must be provided. diff --git a/chunks/txt/09a852d145d109181dfa91f5d3d645f2c54f1dd7f85903468c2b6fdb2e49d30b.txt b/chunks/txt/09a852d145d109181dfa91f5d3d645f2c54f1dd7f85903468c2b6fdb2e49d30b.txt new file mode 100644 index 0000000000000000000000000000000000000000..6f5c18240672939fcf40e37e7cee4b28f9a90e03 --- /dev/null +++ b/chunks/txt/09a852d145d109181dfa91f5d3d645f2c54f1dd7f85903468c2b6fdb2e49d30b.txt @@ -0,0 +1,103 @@ +1. Fee Type exists +2. Integrated Disclosure Section Type = + +"Origination Charges" + +3. Fee Actual Payment Amount ≠ "0" + +3 + +7.073 Fee Paid To Type + +1. Fee Type exists + +1. Fee Type exists + +© 2022 Freddie Mac and Fannie Mae. Trademarks are property of their respective owners. + +Confidential + +Fannie Mae Confidential + +This document 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. + +Updated UCD Requirements for Phase 3 (different from UCD Specification v1.5) + +Phase UID Data Point + Enum Form Field Name / + +UCD Specification v1.5 + +Superseding CEM Requirement + +3 + +7.029 Fee Payment Paid + +By Type + +Context + +Services Borrower +Did Not Shop For + +2. Integrated Disclosure Section +Type = "Services Borrower +Did Not Shop For" + +2. Integrated Disclosure Section Type = +"Services Borrower Did Not Shop For" + +3. Fee Actual Payment Amount ≠ "0" + +3 + +3 + +7.074 Fee Paid To Type Services Borrower + +7.049 Fee Payment Paid + +By Type + +Did Shop For + +1. Fee Type exists +2. Integrated Disclosure Section +Type = "Services Borrower +Did Shop For" + +1. Fee Type exists +2. Integrated Disclosure Section Type = +"Services Borrower Did Shop For" +3. Fee Actual Payment Amount ≠ "0" + +3 + +8.153 Fee Payment Paid + +Recording Fee Total 1. Fee Type = "Recording Fee + +By Type + +Total” + +3 + +8.196 FeeType + +Transfer Taxes and +Other Government +Fees + +UCD-supported transfer tax +enumerations: +MortgageSurchargeCountyOrPari +sh | +MortgageSurchargeMunicipal | +MortgageSurchargeState | Other +| TransferTaxTotal + +1. Fee Type = "Recording Fee Total” +2. Integrated Disclosure Section Type = +"Taxes And Other Government Fees" diff --git a/chunks/txt/09a8ed23c31d595ba4052e80901848dbe56d91ea4d9a893b3fcdeda34e6e696e.txt b/chunks/txt/09a8ed23c31d595ba4052e80901848dbe56d91ea4d9a893b3fcdeda34e6e696e.txt new file mode 100644 index 0000000000000000000000000000000000000000..d66080644a98e4bc8d23881854b23cdfd4acb97f --- /dev/null +++ b/chunks/txt/09a8ed23c31d595ba4052e80901848dbe56d91ea4d9a893b3fcdeda34e6e696e.txt @@ -0,0 +1,85 @@ +urn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_PROPERTY + +2000.0110 + +RELATIONSHIP + +@xlink:from + +DATA_SOURCE_n + +2000.0111 + +RELATIONSHIP + +@xlink:to + +PROPERTY_n + +0700.0124 + +DATA_SOURCE + +@xlink:label + +DATA_SOURCE_n + +2000.0094 + +PROPERTY + +@xlink:label + +PROPERTY_n + +Appendix B-1: URAR Implementation Guide v1.3 + +RENTAL_INFORMATION to RENTAL_INFORMATION + +Rental Grid - Identifies the comparable rental unit being compared to the subject rental unit - When the subject property has a living unit +included in the rent schedule, the RENTAL_INFORMATION container from the comparable should be linked (via Arc Role) to the +RENTAL_INFORMATION container of the subject unit to which it was compared. + +Page 317 + +Unique ID + +Parent Container + +MISMO Attribute Name + +Supported Attribute Enumerations + +1400.0216 RELATIONSHIP + +@xlink:arcrole + +urn:fdc:mismo.org:2009:residential/RENTAL_INFORMATION_IsComparableFor_RENTAL_INFORMATION + +1400.0217 RELATIONSHIP + +@xlink:from + +RENTAL_INFORMATION_n + +1400.0218 RELATIONSHIP + +@xlink:to + +RENTAL_INFORMATION_n + +2000.0027 RENTAL_INFORMATION @xlink:label + +RENTAL_INFORMATION_n + +2000.0060 RENTAL_INFORMATION @xlink:label + +RENTAL_INFORMATION_n + +• For each living unit of the subject property that was included in the rent schedule, the comparables instance of the + +RENTAL_INFORMATION container should be linked to the RENTAL_INFORMATION container of the subject property unit to which +it was compared. Such an arcrole will provide identification of which comparable unit(s) are being compared to which subject +unit(s). + +• When a given comparable unit is compared to more than one subject unit, the XML must contain multiple instances of the diff --git a/chunks/txt/09b96b9b3579035b64b8efa49b5df5b529ace332e1c835ea84b0630b71ce4a96.txt b/chunks/txt/09b96b9b3579035b64b8efa49b5df5b529ace332e1c835ea84b0630b71ce4a96.txt new file mode 100644 index 0000000000000000000000000000000000000000..35d9a5d5b4e96f7233c9026f5b1502ff115bd1dc --- /dev/null +++ b/chunks/txt/09b96b9b3579035b64b8efa49b5df5b529ace332e1c835ea84b0630b71ce4a96.txt @@ -0,0 +1,33 @@ +The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question, +unless specific arrangements to do so have been made beforehand, or as otherwise required by law. + +The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous +wastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this +appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property +(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental +conditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or +warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that +might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this +appraisal report must not be considered as an environmental assessment of the property. + +TXC + +The FHA Appraiser does not guarantee that the Property is free from defects. The appraisal establishes the value of the Property for mortgage +insurance purposes only. + +TAB + +Certifications + +H1 + +Appraiser Certifications + +TXC + +The Appraiser certifies and agrees that: + +TXC-NP + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. diff --git a/chunks/txt/09b9ea3a3045dd887c6c16761c81271f90afde04765bbb6c99a7ec62a28742f0.txt b/chunks/txt/09b9ea3a3045dd887c6c16761c81271f90afde04765bbb6c99a7ec62a28742f0.txt new file mode 100644 index 0000000000000000000000000000000000000000..3f055b9ec7389811ff3ac5e67d74577385438c7a --- /dev/null +++ b/chunks/txt/09b9ea3a3045dd887c6c16761c81271f90afde04765bbb6c99a7ec62a28742f0.txt @@ -0,0 +1,56 @@ +BORROWER 1 + +BORROWER 2 + +EMPLOYER 1 + +EMPLOYER 2 +EMPLOYER 3 + +EMPLOYER 4 + +Most One-to-Many Relationships are also established in the MISMO Reference Model by containment. +Other One-to-Many Relationships may be defined using “XLink Relationships”. + +MANY-T O-MANY RELAT IONSHIP + +A Many-to-Many Relationship is one in which one instance of the source element may be associated +with multiple instances of the target element and multiple instances of the source element may be +associated with the same instance of the target element. + +For example: Each BORROWER element may be associated with multiple ASSET elements, and +multiple BORROWER elements may be associated with the same ASSET element. + +BORROWER 1 + +ASSET 1 + +BORROWER 2 + +ASSET 2 + +Many-to-Many Relationships are defined using “XLink Relationships”. + +REFLEXIVE RELAT IONSHIP + +A Reflexive Relationship is a one-to-one, one-to-many, or many-to-many relationship between instances of +the same element, i.e., the source and target elements are of the same type. + +For example: An instance of the INDIVIDUAL element may be associated with another instance of the +INDIVIDUAL element to represent a marriage relationship. + +Reflexive Relationships are defined using “XLink Relationships”. + +Data Relationships Using Xlink and MISMO Arcroles + +Page 8 of 29 + +Version 1.1 + +___________ _ __ Data Relationships + +IRREFLEXIVE RELAT IONSHIP + +An Irreflexive Relationship is the opposite of a Reflexive Relationship. It is a one-to-one, one-to-many, +or many-to-many relationship between instances of different elements, i.e., the source and target +elements are of different types. diff --git a/chunks/txt/09ba0a0040e295198fa17009c99f9ebe52a6aeec1f981498d8e68e0a77e283c4.txt b/chunks/txt/09ba0a0040e295198fa17009c99f9ebe52a6aeec1f981498d8e68e0a77e283c4.txt new file mode 100644 index 0000000000000000000000000000000000000000..5648bb0c669769d38baf92201e05b21c3206d2fd --- /dev/null +++ b/chunks/txt/09ba0a0040e295198fa17009c99f9ebe52a6aeec1f981498d8e68e0a77e283c4.txt @@ -0,0 +1,15 @@ +Noncontinuous Finished Area (H1) ..................................................................................................................... 44 + +Mechanical System Details (H1) ......................................................................................................................... 44 + +Apparent Defects, Damages, Deficiencies – (Dwelling Exterior – [Structure Identifier]) (H1) ........................... 45 + +Appendix E: Report Style Guide + +Page 6 of 90 + +Version 1.4 + +Dwelling Exterior Commentary (Dwelling Exterior – [Structure Identifier]) (H1) ............................................... 45 + +Dwelling Exterior Exhibits (Dwelling Exterior – [Structure Identifier]) (H1) ....................................................... 45 diff --git a/chunks/txt/09c4edfedc4cc9172f6afb0c4ca83aa3d89400c70e03df135422d7bdbe2c422a.txt b/chunks/txt/09c4edfedc4cc9172f6afb0c4ca83aa3d89400c70e03df135422d7bdbe2c422a.txt new file mode 100644 index 0000000000000000000000000000000000000000..46954934e5cbceede1d6e32dfa0835cde87a7847 --- /dev/null +++ b/chunks/txt/09c4edfedc4cc9172f6afb0c4ca83aa3d89400c70e03df135422d7bdbe2c422a.txt @@ -0,0 +1,29 @@ +19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and +information in this appraisal report are true and correct. + +20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any +agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a +predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or +occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). + +21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. + +22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is +unauthorized and I will take no responsibility for it. + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2 + +Uniform Residential Appraisal Report + +Page 26 of 26 +Page 26 of 26 + +Certifications (continued) + +23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will +receive this appraisal report. + +24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject +to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that +pertain to disclosure or distribution by me. diff --git a/chunks/txt/09c7a64be0b158781c2ed59f445aedeac8bee2227bfe8c0b0ac5edf2a532a16a.txt b/chunks/txt/09c7a64be0b158781c2ed59f445aedeac8bee2227bfe8c0b0ac5edf2a532a16a.txt new file mode 100644 index 0000000000000000000000000000000000000000..dc04ddd0295466880b8734d42656e4e0a53d3df4 --- /dev/null +++ b/chunks/txt/09c7a64be0b158781c2ed59f445aedeac8bee2227bfe8c0b0ac5edf2a532a16a.txt @@ -0,0 +1,43 @@ +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27) + +Uniform Residential Appraisal Report + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20) + +Page [Page] of [Pages] + +Subject Property Amenities + +(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:19) +Amenity Category + +(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:20) + +Subject Property Amenity + +(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:21) + +Material + +(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:22) + +Detail + +(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:23) + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +The items listed below represent the As Is condition as of the effective date of this report + +(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:24) + +Feature +(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:25) diff --git a/chunks/txt/09c82030bcd480d24cc438dee13766a886e581a5bf0392d5e309e652dbc39057.txt b/chunks/txt/09c82030bcd480d24cc438dee13766a886e581a5bf0392d5e309e652dbc39057.txt new file mode 100644 index 0000000000000000000000000000000000000000..ed166b1400cd16b6d94e0a5b9905a894712c4bd3 --- /dev/null +++ b/chunks/txt/09c82030bcd480d24cc438dee13766a886e581a5bf0392d5e309e652dbc39057.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/supervision/federal-home-loan-bank-system" +date_accessed: "2026-01-27T17:47:55.882Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/09cf457e3fcb9a0f1d044ce774d2285bf0cb07a14c677be6d036ed654dfc3245.txt b/chunks/txt/09cf457e3fcb9a0f1d044ce774d2285bf0cb07a14c677be6d036ed654dfc3245.txt new file mode 100644 index 0000000000000000000000000000000000000000..905cebc895c5b3242212516ae0279e5f085595d1 --- /dev/null +++ b/chunks/txt/09cf457e3fcb9a0f1d044ce774d2285bf0cb07a14c677be6d036ed654dfc3245.txt @@ -0,0 +1,72 @@ +If false, display “None”. When “true” do not display. +Display when PropertyTaxAbatementsOrExemptionsIndicator = "true" AND +Exists +− Amount displays followed by "per year" +Display when PropertyTaxAbatementsOrExemptionsIndicator = "true" AND +Exists +− “Expires” displays followed by the date + +Page 254 + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +Display Rules + +Project Information: Project Factors and Impact to Value/Marketability + +18.083 + +Impact + +2500.0120 + +ValueMarketabilityImpactType + +18.093 + +Comment + +2500.0108 ValuationCommentText + +Project Factors Commentary + +18.094 + +Project Factors +Commentary + +2500.0169 ValuationAnalysisCategoryType + +2500.0170 ValuationCommentText + +Display when ValuationAnalysisCategoryType (UID: 2500.0119, FID: Not on +report) = "PropertyTaxAbatementsOrExemptions" + +Display when PropertyTaxAbatementsOrExemptionsIndicator = "true" AND +((ValueMarketabilityImpactType = "Adverse" OR "Beneficial")OR +(ValueMarketabilityImpactType = "Neutral" AND Exists) OR +(PropertyTaxAbatementsOrExemptionsIndicator = "false" AND Exists)) +Display when PropertyInProjectIndicator = “true” OR PUDIndicator = “true” +AND Exists +IF (PropertyInProjectIndicator = "true" OR PUDIndicator = "true") AND +Exists +Display when ValuationAnalysisCategoryType (UID: 2500.0169, FID: Not on +report) = "Project" or “ProjectFactors” AND Exists + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 18 - 4 + +Page 255 + +Appendix B-1: URAR Implementation Guide v1.3 + +Project Information Commentary + +The Project Information Commentary subsection displays when comments are provided. Any additional commentary must use +ValuationAnalysisCategoryType (UID: 2500.0169, FID: 18.095) = “Project” and ValuationCommentText (UID: 2500.0170, FID: 18.095). diff --git a/chunks/txt/09d2cdd5e851032b11ba9a4aedc4eae19cc976d24fd709f8e5d89d29253dda40.txt b/chunks/txt/09d2cdd5e851032b11ba9a4aedc4eae19cc976d24fd709f8e5d89d29253dda40.txt new file mode 100644 index 0000000000000000000000000000000000000000..ea939e93e3561eea9c517c10cd783eb47bd3b59f --- /dev/null +++ b/chunks/txt/09d2cdd5e851032b11ba9a4aedc4eae19cc976d24fd709f8e5d89d29253dda40.txt @@ -0,0 +1,21 @@ +## ​​FHFA’s Housing Finance TechSprints + +Image + +![Generative AI in Housing Finance](/sites/default/files/styles/large/public/2024-03/Generative-AI.jpg?itok=2wub2pda) + +In July 2024, FHFA held its second TechSprint. This year’s TechSprint, titled “Generative AI in Housing Finance,” was a team-based problem-solving event that brought together experts and practitioners from the technology and housing finance sectors to solve a common challenge: ***How might the responsible use of generative AI promote a transparent, fair, equitable, and inclusive housing finance system while fostering sustainable homeownership and rental opportunities?*** + +Learn more at the **[Generative AI in Housing Finance TechSprint webpage](/programs/fintech/techsprint/2024).** + +Learn more about FHFA’s 2023 Velocity TechSprint at the **[Velocity TechSprint webpage](/programs/fintech/techsprint/2023).** + +## Public Listening Session + +On Thursday, October 6, 2022, FHFA’s Fintech Office hosted a virtual public listening session to solicit public input on the role of technology in housing finance and how the Agency can most constructively interact with other stakeholders to facilitate responsible innovation. Video and materials from the listening session are available through the links below. + +[Listening Session Agenda](/sites/default/files/2023-12/FinancialTechnology-Listening-Session-Agenda.pdf) [Listening Session Video](/media/31646) [Listening Session Transcript](/sites/default/files/2023-12/Financial-Technology-in-Housing-Finance-Listening-Session-10-06-2022.pdf) + +## Request For Information + +In conjunction with the establishment of the Office of Financial Technology, FHFA is soliciting public input on the role of technology in housing finance, broadly seeking to understand the current landscape of potential innovations throughout the mortgage lifecycle and related processes, risks, and opportunities. FHFA also seeks input on how the Agency can most constructively interact with other stakeholders to facilitate responsible innovation, including the identification of any barriers to or challenges in implementing fintech in the housing finance ecosystem, while also focusing on supporting equity in the housing finance landscape for both homeowners and renters. diff --git a/chunks/txt/09df2e6f3b5ab8f603cf4dc6220fa3efe8b9d92173348a5026aaabc8384501d3.txt b/chunks/txt/09df2e6f3b5ab8f603cf4dc6220fa3efe8b9d92173348a5026aaabc8384501d3.txt new file mode 100644 index 0000000000000000000000000000000000000000..17816eff09adb067c6929cf26e8a7a199abf2d5d --- /dev/null +++ b/chunks/txt/09df2e6f3b5ab8f603cf4dc6220fa3efe8b9d92173348a5026aaabc8384501d3.txt @@ -0,0 +1,55 @@ +Fannie Mae considers a development to be a condo project any time it is declared or filed as a horizontal property regime in +accordance with local statutes. Exception is made, if the local statute provides for the horizontal property regime to be created as +a PUD development and the project’s legal documents specifically state that the project is a PUD. + +Lenders must determine if the subject unit is located in a condo or PUD and use the appropriate mortgage documents. + +Project Review Methods + +Fannie Mae purchases or securitizes mortgage loans secured by units in condo, co-op, and PUD projects that meet Fannie Mae's +eligibility requirements. To determine whether the project meets these requirements, a number of project review methods are +available. Whether a project review method is allowable or required depends on + +• +• +• +• +• + +the number of units in the project (two- to four- or more than four; +the unit type (attached or detached); +the project type (condo, co-op, or PUD); +the project status (new or established); and +the mortgage transaction. + +The characteristics that dictate which method to use are shown in the following table. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 131 of 166 + +UAD 3.6 Policy + +Unit and Project Type + +Project Review Methods + +Attached condo unit in a new or newly converted +project + +• + +• + +Full Review completed with Condo Project Manager +(CPM), or +Fannie Mae Review through the standard Project +Eligibility Review Service (PERS) process + +Attached condo unit in an established project + +Based on the LTV, CLTV, and HCLTV ratios, occupancy, and +location (projects in Florida), these projects may be reviewed +using a Limited Review. +Projects not meeting the Limited Review criteria must be +reviewed using a diff --git a/chunks/txt/09f803a782890ecf58778308063e8b1c300a257df37f76ab025798bebedc2040.txt b/chunks/txt/09f803a782890ecf58778308063e8b1c300a257df37f76ab025798bebedc2040.txt new file mode 100644 index 0000000000000000000000000000000000000000..89ed07aea72f7921bb5bdab064dbea07df09faed --- /dev/null +++ b/chunks/txt/09f803a782890ecf58778308063e8b1c300a257df37f76ab025798bebedc2040.txt @@ -0,0 +1 @@ +.errhidden { display: none; } .errorcol { color: red; } function postForgotPassword() { document.forms[0]['pf.passwordreset'].value = 'clicked'; document.forms[0].submit(); } function postRecoverUsername() { document.forms[0]['pf.usernamerecovery'].value = 'clicked'; document.forms[0].submit(); } function postAlternateAuthnSystem(system) { var variants = ["Biometrics", "Windows Hello", "Face ID", "Touch ID"]; for (i = 0; i < variants.length; i++) { if(variants[i] == system) { system = "FIDO"; } } document.forms[0]['$alternateAuthnSystem'].value = system; document.forms[0].submit(); } function postRegistration() { document.forms[0]['$registrationValue'].value = true; document.forms[0].submit(); } /* Ashok - commenting default postOk method and replaced fmsso postok method function postOk() { if (false) { grecaptcha.execute(); } else { // remove error tips if (document.forms[0]['pf.username'].value !== '') { document.getElementById('username-text').className = 'place-bottom type-alert tooltip-text'; } if (document.forms[0]['pf.pass'].value !== '') { document.getElementById('password-text').className = 'place-bottom type-alert tooltip-text'; } // Add back if (document.forms[0]['pf.username'].value === '') { document.getElementById('username-text').className += ' show'; } else if (document.forms[0]['pf.pass'].value === '') { document.getElementById('password-text').className += ' show'; } else { submitForm() } } } */ function postOk() { if (false) { grecaptcha.execute(); } document.forms[0]['pf.ok'].value = 'clicked'; var invalid = checkForm(); if(!invalid) { document.forms[0]['pf.username'].value = document.forms[0]['pf.username'].value.toLowerCase(); document.forms[0].submit(); } } function submitForm() { var signOnButtonSpan = document.getElementById('signOnButtonSpan'); signOnButtonSpan.classList.add('content-columns', 'disabled'); signOnButtonSpan.style = "pointer-events: none;"; var signOnButton = document.getElementById('signOnButton'); signOnButton.innerHTML = 'fm.external.html.form.login.template.signingOn'; document.forms[0]['pf.ok'].value = 'clicked'; document.forms[0].submit(); if(false) { grecaptcha.reset(); } } function postCancel() { document.forms[0]['pf.cancel'].value = 'clicked'; document.forms[0].submit(); } function postOnReturn(e) { var keycode; if (window.event) keycode = window.event.keyCode; else if (e) keycode = e.which; else return true; if (keycode == 13) { postOk(); return false; } else { return true; } } function setFocus() { var platform = navigator.platform; if (platform != null && platform.indexOf("iPhone") == -1) { document.getElementById('username').focus(); } } function setMobile(mobile) { var className = ' mobile', hasClass = (bodyTag.className.indexOf(className) !== -1); if (mobile && !hasClass) { bodyTag.className += className; } else if (!mobile && hasClass) { bodyTag.className = bodyTag.className.replace(className, ''); } } function getScreenWidth() { return (window.outerHeight) ? diff --git a/chunks/txt/09f964bf32f0cee017956f7a31990d168c36d4a459393a02b0675c359313abc2.txt b/chunks/txt/09f964bf32f0cee017956f7a31990d168c36d4a459393a02b0675c359313abc2.txt new file mode 100644 index 0000000000000000000000000000000000000000..2e05f6c78d517e91a24598eb03a17a43ad21b98d --- /dev/null +++ b/chunks/txt/09f964bf32f0cee017956f7a31990d168c36d4a459393a02b0675c359313abc2.txt @@ -0,0 +1,327 @@ +0 + +LivingUnitBedroomCount + +Comp3 ADU + +-6440 + +LivingUnitStandardFinishedAreaAboveGrade + +Comp3 ADU + +-100000 + +OverallQualityRating + +-120000 + +OverallConditionRating + +10000 + +OutdoorLivingAmenity + +0 + +WaterFeaturesAmenity + +10000 + +VehicleStorage + +-16000 + +Outbuilding + +0 + +Outbuilding + +789480 + +North + +Less + +false + +312 + +3 + +4.04 + +14480 + +false + +false + +Dwelling + +1938 + +Hardwood and Tile Thruout + +Flooring + +FullyUpdated + +9 Ft. and 10 Ft. Ceilings + +WallsAndCeiling + +0 + +1856 + +0 + +false + +3 + +2 + +1 + +C2 + +Q2 + +Very High Quality Finishes + +FullyUpdated + +Comp3 Primary + +Very High Quality Appliances + +Kitchen + +FullyUpdated + +Farmhouse + +CementBoard + +ExteriorWallsAndTrim + +Metal + +Roof + +C2 + +Q2 + +1 + +ForcedWarmAir + +Outbuilding + +true + +Other + +ADUGarage + +Electricity + +625 + +0 + +true + +1 + +1 + +0 + +C3 + +Q3 + +Comp3 ADU + +1 + +542 + +true + +Outbuilding + +true + +Studio + +Electricity + +0 + +400 + +0 + +PropertyPhoto + +\\Images\SF3_Comp3.png + +image/png + +94 + +799999 + +SettledSale + +58.712136 + +-87.784967 + +Deck + +Patio + +OutdoorLiving + +IngroundPool + +Other + +Diving Board + +WaterFeatures + +1 + +Detached + +1 + +true + +1 + +C2 + +Q2 + +true + +true + +FeeSimple + +false + +false + +false + +2019-04-01 + +2019-08-01 + +775000 + +Sale + +2016-07-17 + +485000 + +Sale + +TypicallyMotivated + +None + +Gravel + +Rural + +false + +12.81 + +Full + +Other + +Agricultural + +35350 City Ct + +Out There + +Fabricated + +56789 + +VA + +1 + +AssessorUnformattedIdentifier + +F-234-1 + +2019-07-01 + +275000 + +12.5 + +Jones Rd + +Out There + +Fabricated + +56789 + +VA + +2 + +AssessorUnformattedIdentifier + +F-124-0 + +2019-05-01 + +295000 + +15.4 + +Fairy Farm Ln + +Out There + +Fabricated + +56789 + +VA + +3 + +AssessorUnformattedIdentifier + +F-593-9 + +2019-01-15 + +195250 + +10.5 + +AB12345 + +Client diff --git a/chunks/txt/09f98753cebc66857c010cb2315065c61c0c1bf60066e5eb123fd8c1fa338253.txt b/chunks/txt/09f98753cebc66857c010cb2315065c61c0c1bf60066e5eb123fd8c1fa338253.txt new file mode 100644 index 0000000000000000000000000000000000000000..5ffdb3376ece8f95ddc94ed3652e0ece278db05f --- /dev/null +++ b/chunks/txt/09f98753cebc66857c010cb2315065c61c0c1bf60066e5eb123fd8c1fa338253.txt @@ -0,0 +1,60 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTH +ER_FEATURE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='1']/ +@PropertyFeatureAdjustmentAmount + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +10 + +Money + +PDF Display Format: +Whole dollars only. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTH +ER_FEATURE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='2']/ +@PropertyFeatureDescription + +20 + +String + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTH +ER_FEATURE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='2']/ +@PropertyFeatureAdjustmentAmount + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +10 + +Money + +PDF Display Format: +Whole dollars only. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTH +ER_FEATURE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='3']/ +@PropertyFeatureDescription + +20 + +String + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTH +ER_FEATURE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='3']/ +@PropertyFeatureAdjustmentAmount + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’ and +@SalesPriceTotalAdjustmentPositiveIndicator=‘Y’] + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’ and +@SalesPriceTotalAdjustmentPositiveIndicator=‘N’] diff --git a/chunks/txt/0a17ec550e74b0401bb4130b2d409d0821bc8ab984e78dc1a6462af4dc0364c4.txt b/chunks/txt/0a17ec550e74b0401bb4130b2d409d0821bc8ab984e78dc1a6462af4dc0364c4.txt new file mode 100644 index 0000000000000000000000000000000000000000..efdd11f0ef13be304a9043187625208dbcc75a91 --- /dev/null +++ b/chunks/txt/0a17ec550e74b0401bb4130b2d409d0821bc8ab984e78dc1a6462af4dc0364c4.txt @@ -0,0 +1,184 @@ +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Site + +If relevant + +Required when the +row is included in the +sales comparison grid + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Site +• + +Apparent +Environmental +Condition 4.027 + +Yes +22.03.45 + +None +Hazardous Above Ground Storage Tank +Hazardous Substances +Landfill +Radon +Slush Pit +Soil Contamination +Superfund Site +Underground Storage Tank + +• +• +• +• +• +• +• +• +• +• Water Contamination +• +Other (Describe) +Additional context specific to the adjustment may be provided in +Reconciliation of Sales Comparison Approach (22.16.01). + +Appendix F-1: URAR Reference Guide + +Page 232 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report +Field ID + +22.03.15 +22.03.46 + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Site + +View | Range Always + +Always required + +Site +• + +View 4.039 + +Yes +22.03.47 + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Bay +Canal +City Street +Commercial +Cove +Creek +Golf Course +Gulf +High Density Residential +Highway +Industrial +Lake + +• +• +• +• +• +• +• +• +• +• +• +• +• Marsh +• Mountain +• +Ocean +• +Park +• +Parking Lot +• +Pastoral +• +Pond +• +Reservoir +• +Residential +• +River +• +School +• +Skyline +• +Sound +• +Traffic Wall Barriers +• +Valley +• Woods +• + +Other (Describe) + +22.03.15 +22.03.46 + +View | Range Always + +If available and +applicable for each +View + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column diff --git a/chunks/txt/0a1b35adb1c2734b3a7f181399549d8d56878fe7a51931f3a99c86490a96b856.txt b/chunks/txt/0a1b35adb1c2734b3a7f181399549d8d56878fe7a51931f3a99c86490a96b856.txt new file mode 100644 index 0000000000000000000000000000000000000000..9cc8bbefdf65d8613bac84d1e991715269ed2986 --- /dev/null +++ b/chunks/txt/0a1b35adb1c2734b3a7f181399549d8d56878fe7a51931f3a99c86490a96b856.txt @@ -0,0 +1,60 @@ + + + +true< + +UCD v2.0 Implementation Guide + +- 64 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 46. XML Snippet - Example of Cash to Close Data for a Purchase. + +/IntegratedDisclosureCashToCloseItemAmountChangedIndicator> + +See details in Sections K & L< + +/IntegratedDisclosureCashToCloseItemChangeDescription> + +0.00< + +/IntegratedDisclosureCashToCloseItemEstimatedAmount> + +-1035.00 +AdjustmentsAndOtherCredits< + +/IntegratedDisclosureCashToCloseItemType> + + + + +16,054.00 + +CashToCloseTotal + + + + +14,148.00< +/IntegratedDisclosureCashToCloseItemFinalAmount> +CashToCloseTotal + + + + + +… + + +b. Data Points Supporting the Cash to Close Table for a Refinance + +An optional streamlined Alternative Calculating Cash to Close table can be provided for transactions without a seller. The + +format is shown below. The data points in light green highlighted rows are also provided for a purchase. diff --git a/chunks/txt/0a1c325f5ded7c188cb392c762e2997c27ad9f9ebe96efb85a57f1b55c601863.txt b/chunks/txt/0a1c325f5ded7c188cb392c762e2997c27ad9f9ebe96efb85a57f1b55c601863.txt new file mode 100644 index 0000000000000000000000000000000000000000..c94c3d3f318b76f52e1eabe2a0113a3bf430cb24 --- /dev/null +++ b/chunks/txt/0a1c325f5ded7c188cb392c762e2997c27ad9f9ebe96efb85a57f1b55c601863.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/12596","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); })(); diff --git a/chunks/txt/0a2343279bffe3893a8592aa8b2d88a3ec120894baad7b10bb53d5c24b2a8234.txt b/chunks/txt/0a2343279bffe3893a8592aa8b2d88a3ec120894baad7b10bb53d5c24b2a8234.txt new file mode 100644 index 0000000000000000000000000000000000000000..1585dcb23ef4e0c9ad2e9968a8171cb5e0b73556 --- /dev/null +++ b/chunks/txt/0a2343279bffe3893a8592aa8b2d88a3ec120894baad7b10bb53d5c24b2a8234.txt @@ -0,0 +1,81 @@ +Settlement Agent 23.0.5 +PartyRoleType = “ClosingAgent” + +23.5.1 Joe Smith + +23.5.5 Sarah Arnold + +23.6.1 123456 + +23.6.5 + +23.7.1 + +23.7.5 AX789012 + +23.8.1 joe_smith@ficusbank.com + +23.8.5 sarah@epsilontitle.com + +23.9.1 123-456-7890 + +23.9.5 987-555-4321 + +23.5 Contact +PARTY/INDIVIDUAL/NAME/ +FirstName LastName + +23.6 Contact NMLS ID +LicenseIdentifier + +23.7 Contact License ID +LicenseIdentifier + +23.8 Email +ContactPointEmailValue + +23.9 Phone +ContactPointTelephoneValue + +1. BORROWER + +Since the Borrower illustrated in Figure 112 is an individual, his name represented on the CD using data points under +INDIVIDUAL/NAME. PartyRoleType is “Borrower”. Other supported PartyRoleType values that map to borrower contact data +on the CD are “NonTitleSpouse”, “Titleholder”, and “NonTitleNonSpouseOwnershipInterest” if applicable. If the Borrower is +a +FullName under +LEGAL_ENTITY/LEGAL_ENTITY_DETAIL. + +non-individual + +the name + +trust or + +company, + +provided + +using + +such + +as + +is + +a + +The Borrower mailing address is rendered using the same data points under ADDRESS whether the Borrower is an +individual or legal entity. AddressUnitIdentifier must be provided only when it is a component of the complete street address. +The CountryCode must be included with every address, including military addresses. + +2. NOTE PAY TO + +If the Note Pay To has a Nationwide Multistate Licensing System & Registry (NMLS) ID, the data point LicenseIdentifier + +with the lender’s NMLS ID must be delivered, regardless of whether a Mortgage Broker also was party to the transaction. + +N O T E : The following optional license data points and attribute have been removed from UCD v2.0: +LicenseAuthorityLevelType, IdentifierOwnerURI, LicenseIssueDate, LicenseIssuingAuthorityName and +LicenseIssuingAuthorityStateCode. diff --git a/chunks/txt/0a242515d70293edf8be7103f4ac75627c6a6621f953a70a7ff6774f8cc6c140.txt b/chunks/txt/0a242515d70293edf8be7103f4ac75627c6a6621f953a70a7ff6774f8cc6c140.txt new file mode 100644 index 0000000000000000000000000000000000000000..ddbbc7ea62b53b977878d7feea1cb9e1c193d8bf --- /dev/null +++ b/chunks/txt/0a242515d70293edf8be7103f4ac75627c6a6621f953a70a7ff6774f8cc6c140.txt @@ -0,0 +1,65 @@ +31500 + +SalesComparison + +271410 + +9000 + +121.25 + +190120 + +1568 + +StandardFinishedAreaAboveGrade + +50.00 + +20000 + +400 + +AttachedGarage + +201410 + +17710 + +31500 + +Utility Connections, Driveway, Patio, and Porch + +NotNecessaryForCredibleResults + +The comparables selected represent the best available market activity in the prior 6 months. Comparables 1, 3, and 4 are CHOICEHomes or MHAdvantage. +Comparable #1 is similar to the subject in age, quality and condition. However, was given less weight due to the water view, superior lot size and living area. The view is a full view of a non-navigable pond with access limited to the properties that have direct waterfront. +Comparable #2 was given less weight as it does not have the finishes and upgrades that the subject and other comparables have, has not been updated, and has less living area as compared to the subject. +Comparable #3 was given most weight as it is similar to the subject in age, quality and condition and is the most comparable in living area. +Comparable #4 was also given most consideration as it represents the most recent market activity, is similar in living area and most similar in quality, condition, features and amenities. Comp #4 receives a location adjustment as it is located within a mile of a large lake with public access, boat ramp, and rentable dock space and boat storage. + +275000 + +true + +false + +false + +false + +true + +false + +false + +Refinance + +Assignment + +Additional commentary can be added here, if needed by Appraiser. + +SubjectPropertyAmenities + +The subject porch was site built at the time of installation and set-up. The dwelling was designed and constructed to accommodate the porch and garage. The patio is free standing and not attached to the dwelling. diff --git a/chunks/txt/0a2ba68051e725b404e188e5a20e78c8ca52edca19c05127de929b805f635b3a.txt b/chunks/txt/0a2ba68051e725b404e188e5a20e78c8ca52edca19c05127de929b805f635b3a.txt new file mode 100644 index 0000000000000000000000000000000000000000..ce9c9d64dd71fa9f46d70453a8baf1a623163405 --- /dev/null +++ b/chunks/txt/0a2ba68051e725b404e188e5a20e78c8ca52edca19c05127de929b805f635b3a.txt @@ -0,0 +1,115 @@ +proper mapping in the XML file or unambiguous rendering of other data points. + +Closing Disclosure 0.1 + +1.0 Closing Information + +1.1 Date Issued + +1.2 Closing Date + +4/15/2018 + +4/18/2018 + +1.3 Disbursement Date + +4/19/2018 + +1.4 Settlement Agent + +Epsilon Title Company + +1.5 File # + +12-3456 + +1.6 Property + +456 Somewhere Avenue, Unit# 284 + +3 Capitalized words with no spaces in between. + +Appendix E: UCD Implementation Guide + +Page 12 of 254 + +Version 1.4 + +Uniform Closing Dataset + +II. Document Structure + +Anytown, ST 12345 + +1.7 Sale Price $240,000 + +Figure 2. Sample Closing Disclosure Excerpt + +Table 2. Sample Appendix I Excerpt + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +ClosingAdjustmentIt +emType + +TenantSecurityDepo +sit + +IntegratedDisclosur +eIssuedDate + +2018-04-15 + +ROF as “4/15/2018” + +…/CLOSING_ADJUST +MENT_ITEM/CLOSI +NG_ADJUSTMENT_I +TEM_DETAIL + +…/DOCUMENT_SPE +CIFIC_DATA_SET/IN +TEGRATED_DISCLOS +URE/INTEGRATED_ +DISCLOSURE_DETAI +L + +Form +Field ID + +11.5 + +Tenant Security +Deposit + +1.1 + +Date Issued + +B. DOCUMENT ORGANI Z ATI ON + +The I-Guide is organized as follows: +1. + +III. Closing Disclosure Variations: An explanation of the Closing Disclosure and the four variations recognized +by the GSEs (i.e., the Model Form for purchase ARM and purchase fixed transactions, and the Alternate +Form for non-seller ARM and non-seller fixed transactions). + +2. + +IV. UCD Data Point Categories. Describes the three different categories of UCD data points: Closing +Disclosure, GSE-Specific and XML Required. + +3. Sections 01 to 25.0 address each Closing Disclosure section in order. Each section is titled with the form diff --git a/chunks/txt/0a2dda33afcb0b36b8f62d59a4644c7d4425905cd797f8a9dc99efafec8f0b61.txt b/chunks/txt/0a2dda33afcb0b36b8f62d59a4644c7d4425905cd797f8a9dc99efafec8f0b61.txt new file mode 100644 index 0000000000000000000000000000000000000000..d42bc384508055f06aa02eb2e5f8c28276ab21c4 --- /dev/null +++ b/chunks/txt/0a2dda33afcb0b36b8f62d59a4644c7d4425905cd797f8a9dc99efafec8f0b61.txt @@ -0,0 +1,35 @@ +b. Liabilities that are paid off as part of the closing transaction are represented using LIABILITY. The type of +liability is described using LiabilityType. The payee is represented by FullName under the NAME child +container of LIABILITY_HOLDER. The liability amount is specified using PayoffAmount within PAYOFF. +LIABILITY repeats for each line item as needed. + +c. LiabilityType and ClosingAdjustmentItemType each have explicit enumerated values to cover most + +scenarios in the closing process; however, there may be situations when an item applies to a transaction +and is not among the enumerations listed in Appendix I. In these instances, the value “Other” is used for +LiabilityType and ClosingAdjustmentItemType, and the associated data points +LiabilityTypeOtherDescription and ClosingAdjustmentItemType OtherDescription must be included with a + +Appendix E: UCD Implementation Guide + +Page 240 of 254 + +Version 1.4 + +Uniform Closing Dataset + +25.0 Payoffs and Payments - UPDATED + +value describing the item succinctly and clearly. For example, ClosingAdjustmentTypeOtherDescription = +“Principal Reduction” has been identified by the GSEs in Appendix I. + +2. PRI NCI PAL REDUCTI ON FOR TOLERANCE CUR E-NEW + +If the lender is disclosing a principal reduction as a tolerance cure, the language in Row 03 of Figure 142 should +be provided. If the payment is made outside of closing, the paying entity must also be identified. Table 158 +provides the data points necessary to represent this line item in the UCD file. + +Payoffs and Payments + +25.0 Use this table to see a summary of your payoffs and payments to others from your loan +amount. diff --git a/chunks/txt/0a479dc464feac8ae392b71935ad75a9dbe1122c1dc37b79f627d63b9223cb46.txt b/chunks/txt/0a479dc464feac8ae392b71935ad75a9dbe1122c1dc37b79f627d63b9223cb46.txt new file mode 100644 index 0000000000000000000000000000000000000000..27774952f19ecf78622aa0eec1af02572f00a640 --- /dev/null +++ b/chunks/txt/0a479dc464feac8ae392b71935ad75a9dbe1122c1dc37b79f627d63b9223cb46.txt @@ -0,0 +1,43 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [Frequently Asked Questions](/faqs) + - Mortgage Loan and Natural Disaster Dashboard Instructions and FAQs + +# Mortgage Loan and Natural Disaster Dashboard Instructions and FAQs + +## **Instructions** + +### **Overview** + +![Figure 1: Dashboard Landing Page](/sites/default/files/2024-09/figure-1-dashboard-landing-page.png) diff --git a/chunks/txt/0a65ca0efbf670499e81a88d514d79610c3b94d376fb61e72d44de1f263c9eca.txt b/chunks/txt/0a65ca0efbf670499e81a88d514d79610c3b94d376fb61e72d44de1f263c9eca.txt new file mode 100644 index 0000000000000000000000000000000000000000..d195b39af9d38ff633aa89ed94bd3a68f358d176 --- /dev/null +++ b/chunks/txt/0a65ca0efbf670499e81a88d514d79610c3b94d376fb61e72d44de1f263c9eca.txt @@ -0,0 +1,40 @@ +The borrower must be both the owner and the operator of the business. + +The property must be primarily residential in nature. + +The dwelling may not be modified in a manner that has an adverse impact on its marketability as a residential property. + +See SB4-1.4-07, Non-Residential Use Appraisal Requirements for Mixed-Use Properties for appraisal considerations. + +Hawaiian Lava Flow Zones + +Fannie Mae will only purchase or securitize mortgage loans secured by properties that are located within lava flow zones 3 +through 9 on the island of Hawaii. Properties in lava flow zones 1 and 2 are not eligible due to the increased risk of property +destruction from lava flows within these areas. + +Hawaiian lava flow maps and other information are available online at the U.S. Geological Survey (USGS) Hawaiian Volcano +Observatory website. The USGS lava flow zone must be reported for the subject property and comparable sales in the applicable +section(s) of the appraisal report. + +Properties with Solar Panels + +The ownership and debt financing structures commonly found with solar panels are key to determining whether the panels are +third-party owned, personal property of the homeowner, or a fixture to the real estate. Common ownership or financing +structures include: + +• borrower-owned panels, + +• + +• + +leasing agreements, + +separately financed solar panels (where the panels serve as collateral for debt distinct from any existing mortgage); or + +• power purchase agreements. + +Fannie Mae will purchase or securitize a mortgage loan on a property with solar panels. If the borrower is, or will be, the owner of +the solar panels (meaning the panels were a cash purchase, were included in the home purchase price, were otherwise financed +and repaid in full, or are secured by the existing first mortgage), our standard requirements apply (for example, appraisal, +insurance, and title). diff --git a/chunks/txt/0a6c83635d643d1e374e594def911fa5709cc64caa8d4a7cafa60128c2aae5e6.txt b/chunks/txt/0a6c83635d643d1e374e594def911fa5709cc64caa8d4a7cafa60128c2aae5e6.txt new file mode 100644 index 0000000000000000000000000000000000000000..e990e039e879eda96463700b0c12a68466c909b9 --- /dev/null +++ b/chunks/txt/0a6c83635d643d1e374e594def911fa5709cc64caa8d4a7cafa60128c2aae5e6.txt @@ -0,0 +1,39 @@ +[View ​Suspended Counterparty Program List](/regulation/suspended-counterparty-program) + +- ### FHFA House Price Index® + +The FHFA House Price Index® (FHFA HPI® ) is a comprehensive​ collection of publicly available house price indexes that measure changes in single-family home values based on data from all 50 states and over 400 American cities. + +[View the latest report](/reports/house-price-index/2026/1) + +## Housing Market Indicators + +## MIRS Transition Index + +MIRS Transition Index Release Dates Index Values December 2025 6.29 November 2025 6.34 October 2025 6.57 [MIRS transition index](/data/mirs) is intended to be used in lieu of the discontinued MIRS ARM Index for currently outstanding loans, and not as a reference rate on newly-originated adjustable-rate mortgages. For further information, click [here](/data/mirs). + +## House Prices + +FHFA HPI-Source Quarterly Change 2025Q2-2025Q3 Four Quarter Change 2024Q3-2025Q3 "Purchase-Only" U.S. Index +(Seasonally Adjusted) 0.2% 2.2% "Expanded-Data" U.S. Index +(Seasonally Adjusted) 0.3% 3.3% + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/0a7f36b8810b995950a56398245068edd4261323eec3b540f6a9d7e814e0cae2.txt b/chunks/txt/0a7f36b8810b995950a56398245068edd4261323eec3b540f6a9d7e814e0cae2.txt new file mode 100644 index 0000000000000000000000000000000000000000..59fe25413e561cf487bc2b14636fbc0324b2e810 --- /dev/null +++ b/chunks/txt/0a7f36b8810b995950a56398245068edd4261323eec3b540f6a9d7e814e0cae2.txt @@ -0,0 +1,32 @@ +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +26 + +Section 7: Military Service +This information is required for VA loans and optional for all other types of loans. Each borrower is asked +to indicate if they (or their deceased spouse) ever served or are currently serving in the United States Armed +Forces. + +Section 8: Demographic Information +This information is not required by DU since this information is not used for underwriting but can be +included in the XML if available. However, this information must be provided when delivering the loan to +Fannie Mae, so it is required by EarlyCheck. + +Ethnicity and Ethnicity Origin + +Ethnicity is reported with HMDAEthnicityType under a repeating structure for multiple answers. A +borrower may have identified as Hispanic or Latino, Not Hispanic or Latino, or as both. In that case, use +the HMDAEthnicityType to capture both instances. If the borrower did not wish to provide this information, +use the HMDAEthnicityRefusalIndicator. + +Ethnicity Origin is reported with HMDAEthnicityOriginType under a repeating structure for multiple +answers, e.g., Cuban, Mexican, Argentinian, Colombian, etc. If the borrower identified with many types +included in the enumerations list, report each origin type separately under the repeating container. If the +borrower identified with values not included in the enumerations list or a combination, use “Other” and list +them under the HMDAEthnicityOriginTypeOtherDescription separated by commas. Note that if the +borrower did not check the “Other Hispanic and Latino” box, but filled in the blank with an Ethnicity +Origin, the lender does not have to send HMDAEthnicityOriginType=”Other” and can just send the +HMDAEthnicityOriginTypeOtherDescription by itself. Refer to example 5 for a combination of four +ethnicity origins: diff --git a/chunks/txt/0a8155b666373fe1ddf2e65cc935f6aad08e9cc4123a5f3d6db88b9c6af92cf5.txt b/chunks/txt/0a8155b666373fe1ddf2e65cc935f6aad08e9cc4123a5f3d6db88b9c6af92cf5.txt new file mode 100644 index 0000000000000000000000000000000000000000..1e19e1d0aa8fec11f929eed52f9af668f89caa03 --- /dev/null +++ b/chunks/txt/0a8155b666373fe1ddf2e65cc935f6aad08e9cc4123a5f3d6db88b9c6af92cf5.txt @@ -0,0 +1,6 @@ +--- +source_url: "https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html" +date_accessed: "2026-01-27T17:46:11.014Z" +--- + +!function(){var e,i=/iPhone/i,o=/iPod/i,n=/iPad/i,t=/\biOS-universal(?:.+)Mac\b/i,r=/\bAndroid(?:.+)Mobile\b/i,a=/Android/i,d=/(?:SD4930UR|\bSilk(?:.+)Mobile\b)/i,p=/Silk/i,l=/Windows Phone/i,u=/\bWindows(?:.+)ARM\b/i,b=/BlackBerry/i,s=/BB10/i,c=/Opera Mini/i,f=/\b(CriOS|Chrome)(?:.+)Mobile/i,h=/Mobile(?:.+)Firefox\b/i,v=function(e){return void 0!==e&&"MacIntel"===e.platform&&"number"==typeof e.maxTouchPoints&&e.maxTouchPoints>1&&"undefined"==typeof MSStream};e=function(e){var m={userAgent:"",platform:"",maxTouchPoints:0};e||"undefined"==typeof navigator?"string"==typeof e?m.userAgent=e:e&&e.userAgent&&(m={userAgent:e.userAgent,platform:e.platform,maxTouchPoints:e.maxTouchPoints||0}):m={userAgent:navigator.userAgent,platform:navigator.platform,maxTouchPoints:navigator.maxTouchPoints||0};var g=m.userAgent,y=g.split("[FBAN");void 0!==y[1]&&(g=y[0]),void 0!==(y=g.split("Twitter"))[1]&&(g=y[0]);var A=function(e){return function(i){return i.test(e)}}(g),w={apple:{phone:A(i)&&!A(l),ipod:A(o),tablet:!A(i)&&(A(n)||v(m))&&!A(l),universal:A(t),device:(A(i)||A(o)||A(n)||A(t)||v(m))&&!A(l)},amazon:{phone:A(d),tablet:!A(d)&&A(p),device:A(d)||A(p)},android:{phone:!A(l)&&A(d)||!A(l)&&A(r),tablet:!A(l)&&!A(d)&&!A(r)&&(A(p)||A(a)),device:!A(l)&&(A(d)||A(p)||A(r)||A(a))||A(/\bokhttp\b/i)},windows:{phone:A(l),tablet:A(u),device:A(l)||A(u)},other:{blackberry:A(b),blackberry10:A(s),opera:A(c),firefox:A(h),chrome:A(f),device:A(b)||A(s)||A(c)||A(h)||A(f)},any:!1,phone:!1,tablet:!1};return w.any=w.apple.device||w.android.device||w.windows.device||w.other.device,w.phone=w.apple.phone||w.android.phone||w.windows.phone,w.tablet=w.apple.tablet||w.android.tablet||w.windows.tablet,w}(),"object"==typeof exports&&"undefined"!=typeof module?module.exports=e:"function"==typeof define&&define.amd?define((function(){return e})):this.isMobile=e}(); window.isMobile.apple.tablet = window.isMobile.apple.tablet || (navigator.platform === 'MacIntel' && navigator.maxTouchPoints > 1); window.isMobile.apple.device = window.isMobile.apple.device || window.isMobile.apple.tablet; window.isMobile.tablet = window.isMobile.tablet || window.isMobile.apple.tablet; window.isMobile.any = window.isMobile.any || window.isMobile.apple.tablet; diff --git a/chunks/txt/0a8594b35e27d22d1f092e520e017681f0338219688f91c427e8df4e839cb7a8.txt b/chunks/txt/0a8594b35e27d22d1f092e520e017681f0338219688f91c427e8df4e839cb7a8.txt new file mode 100644 index 0000000000000000000000000000000000000000..75d05da331b2d6cb47132bfb9b3e1cfd03890b9e --- /dev/null +++ b/chunks/txt/0a8594b35e27d22d1f092e520e017681f0338219688f91c427e8df4e839cb7a8.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/programs/natural-disaster-risk" +date_accessed: "2026-01-27T17:54:20.506Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/0a8aa0a693697a55c54a1d13dd6bca08352156e4de72dc813a436b287ef20c52.txt b/chunks/txt/0a8aa0a693697a55c54a1d13dd6bca08352156e4de72dc813a436b287ef20c52.txt new file mode 100644 index 0000000000000000000000000000000000000000..57b379b201f45fc1993037d1f9b503734ea40856 --- /dev/null +++ b/chunks/txt/0a8aa0a693697a55c54a1d13dd6bca08352156e4de72dc813a436b287ef20c52.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/17681","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); })(); diff --git a/chunks/txt/0a94b78111f4a86243871d27c9d586e1991ad3ee4eba40086269f7121b3dee65.txt b/chunks/txt/0a94b78111f4a86243871d27c9d586e1991ad3ee4eba40086269f7121b3dee65.txt new file mode 100644 index 0000000000000000000000000000000000000000..08feb6a503d2f5d6bcba253a84f47750da150ea2 --- /dev/null +++ b/chunks/txt/0a94b78111f4a86243871d27c9d586e1991ad3ee4eba40086269f7121b3dee65.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy" +date_accessed: "2026-01-27T17:54:20.423Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/0a96c58fd30b89598d9986ebf1d99bffe2f6731c104ee2c9d51356b3242e35ba.txt b/chunks/txt/0a96c58fd30b89598d9986ebf1d99bffe2f6731c104ee2c9d51356b3242e35ba.txt new file mode 100644 index 0000000000000000000000000000000000000000..c4fe0aa5a2826ebe8f36e5e9737d47f0569d7d02 --- /dev/null +++ b/chunks/txt/0a96c58fd30b89598d9986ebf1d99bffe2f6731c104ee2c9d51356b3242e35ba.txt @@ -0,0 +1,87 @@ +Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1) + +Uniform Residential Appraisal Report + +Page 17 of 30 +Page 17 of 30 + +Market (continued) + +Market Exhibits + +Price Trend - Home Value + +Price Trend - 5 Year Trend + +This is where the Price Trend Home Value graph would display. + +This is where the Price Trend 5 Year Trend graph would display. + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +Current or Relevant Listings + +Data Source + +None +Property Owner + +Prior Sale and Transfer History + +Subject Transfer History + +Prior sales and/or transfers of the subject property (minimum 3 year look back) +Prior Sales or Transfers + +Data Source + +None +MLS + +Analysis of Prior Sale and Transfer History of Subject Property The subject property has been owned by the borrower for over 10 years +and was recently upgraded with the installation of a new manufactured home. + +Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1) + +Uniform Residential Appraisal Report + +Page 18 of 30 + +Prior Sale and Transfer History (continued) + +Comparable Transfer History + +Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back) +# +1 + +Transfer Terms +None + +Data Source +MLS + +Amount + +Date + +2 + +3 + +Short Sale + +None + +03/28/2018 + +$332,000 + +MLS + +MLS + +Analysis of Prior Sale and Transfer History of Comparable Sales Comparable 2 was sold via a short sale, the manufactured home has been +completely remodeled and was listed and resold on the open market. diff --git a/chunks/txt/0a979396591f9ad29265072700820d6c646f769991d0da531637a0a84796f362.txt b/chunks/txt/0a979396591f9ad29265072700820d6c646f769991d0da531637a0a84796f362.txt new file mode 100644 index 0000000000000000000000000000000000000000..c21a29053e70e78b558247009db3204625cde93b --- /dev/null +++ b/chunks/txt/0a979396591f9ad29265072700820d6c646f769991d0da531637a0a84796f362.txt @@ -0,0 +1,56 @@ +Desktop Underwriter/Desktop Originator Integration Impact Memo +Desktop Underwriter Specification Version 1.9 + +May 28, 2024 + +Desktop Underwriter® (DU®)/Desktop Originator® (DO®) will be updated via direct integration and the user interface in a future +release to support the changes specified below from DU Specification Version 1.9. + +Note: The table below describes the DU Spec data point updates. Refer to the DU Spec V.1.9 - Revision History and DU Map +Update tabs for a complete list of changes. + +Income Calculator + +Income Calculator is an easy-to-use Fannie Mae-hosted service that leverages tax return data to quickly calculate income for self- +employed borrowers consistent with Fannie Mae Selling Guide policy. Income Calculator helps originators correctly calculate +income for self-employed borrowers so they can make informed underwriting decisions, reduce origination cycle times, and +potentially limit repurchase risk. + +In the future, DU will generate a message confirming any enforcement relief of rep & warrant offered by Income Calculator. In +preparation for that future state, the DU Specification will be expanded as described below. + +Integrators are encouraged to plan to implement these DU Specification updates even though testing will not be available until +the first quarter of 2025. + +New Supported Values + +Unique ID + +MISMO v3.4 Data Point Name + +New Supported +Value + +Description + +4.0316 + +4.0318 + +DU:VerificationReportSupplierType + +IncomeCalculator + +DU:VerificationReportType + +IncomeCalculator + +4.0317 + +DU:VerificationReportIdentifier + +To identify when income amounts +submitted to DU are supported by an +Income Calculator evaluation. Refer to +the Income Calculator page for +additional information on this tool. diff --git a/chunks/txt/0a9d7efe0d7df77d84bca4dea2c695207ca9f41e1f1db975e149f69a4e2c86a5.txt b/chunks/txt/0a9d7efe0d7df77d84bca4dea2c695207ca9f41e1f1db975e149f69a4e2c86a5.txt new file mode 100644 index 0000000000000000000000000000000000000000..00b6ab1470331c2558247075f630aa1af3dc2d94 --- /dev/null +++ b/chunks/txt/0a9d7efe0d7df77d84bca4dea2c695207ca9f41e1f1db975e149f69a4e2c86a5.txt @@ -0,0 +1,98 @@ +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U +NIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type= +'Water' and @_IncludedInAssessmentIndicator='Y'] + +Indicates that the utility specified in Unit +Charge Utility Type is included in the fee +reported in Unit Charge Amount. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U +NIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type= +'Sewer' and @_IncludedInAssessmentIndicator='Y'] + +Indicates that the utility specified in Unit +Charge Utility Type is included in the fee +reported in Unit Charge Amount. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U +NIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type= +'Cable' and @_IncludedInAssessmentIndicator='Y'] + +Indicates that the utility specified in Unit +Charge Utility Type is included in the fee +reported in Unit Charge Amount. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U +NIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type= +'Other' and @_IncludedInAssessmentIndicator='Y'] + +243 + +244 + +245 + +246 + +247 + +248 + +2 + +2 + +2 + +2 + +2 + +2 + +41 + +42 + +43 + +44 + +45 + +46 + +UNIT +DESCRIPTION + +Utilities included in the unit +monthly assessment +Other (describe) + +Unit Charge Utility +Type Other +Description + +A free-form text field used to describe a +utility if Other is selected as the Unit +Charge Utility Type. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U +NIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type= +'Other']/@_TypeOtherDescription + +UNIT +DESCRIPTION +UNIT +DESCRIPTION + +UNIT +DESCRIPTION + +Floor # + +# of Levels + +Heating Type + +Floor Identifier diff --git a/chunks/txt/0aa7ad4bf673c9f764bd7d2221cb775dadba1622a853d888f7a841c691c25e37.txt b/chunks/txt/0aa7ad4bf673c9f764bd7d2221cb775dadba1622a853d888f7a841c691c25e37.txt new file mode 100644 index 0000000000000000000000000000000000000000..3dfcbcf49033d2ed6118f404f837d64623994ea6 --- /dev/null +++ b/chunks/txt/0aa7ad4bf673c9f764bd7d2221cb775dadba1622a853d888f7a841c691c25e37.txt @@ -0,0 +1,191 @@ +MISMO v3.3.0 +Data Point | +Attribute Name + +MISMO v3.3.0 +Value + +Notes + +@IdentifierOwnerU +RI + +nationalmortgageli +censingsystem.org + +ROF as “NMLS ID” row +heading. + +23.0.1 + +Lender + +…/ROLE/ROLE_DETAIL PartyRoleType + +NotePayTo + +ROF as “Lender” column +heading + +Second Instance of PARTY (Contact) + +23.8.1 Email + +23.9.1 Phone + +…/INDIVIDUAL/CONTA +CT_POINTS/CONTACT +_POINT/CONTACT_POI +NT_EMAIL + +…/CONTACT_POINT/C +ONTACT_POINT_TELE +PHONE + +ContactPointEmail +Value + +joe_smith@ +ficusbank.com + +ContactPointTelep +honeValue + +1234567890 + +ROF as “123-456-7890” + +23.5.1 Contact + +…/INDIVIDUAL/NAME FirstName + +LastName + +Joe + +Smith + +UID +997.009 + +UID +997.010 + +23.6.1 + +N/A – XML + +…/PARTY/ROLES/ROLE @SequenceNumbe + +2 + +r + +N/A - XML + +@xlink:label + +PARTY2_ROLE1 + +Not shown – +relationships + +Not shown - +relationships + +…/ROLE/LICENSES/LIC +ENSE/LICENSE_DETAIL + +LicenseIdentifier + +123456 + +Contact NMLS ID + +@IdentifierOwnerU +RI + +nationalmortgageli +censingsystem.org + +ROF as “Contact NMLS +ID” row heading + +23.0.1 | +2.3 + +Lender + +…/ROLE/ROLE_DETAIL PartyRoleType + +NotePayTo + +ROF as “Lender” column +heading + +N/A – XML + +…/DOCUMENT/RELATI +ONSHIP + +@SequenceNumbe +r + +1 + +End of PARTY Instances + +@xlink:arcrole + +urn:fdc:mismo.org: +2009:residential/ +ROLE_IsEmployedB +y_ROLE + +@xlink:from + +PARTY2_ROLE1 + +@xlink:to + +PARTY1_ROLE1 + +UID +997.061 + +UID +997.062 + +UID +997.063 + +UID +997.066 + +Not shown – +relationships + +Not shown – +relationships + +Not shown – +relationships + +Not shown – +relationships + +Appendix E: UCD Implementation Guide + +Page 230 of 254 + +Version 1.4 + +Uniform Closing Dataset + +23.0 Contact Information + +A. MAPPI NG GUI DANCE + +1. Although the data point PartyRoleType = “NotePayTo”, along with the LEGAL_ENTITY_DETAIL and ADDRESS +structures are also used to support 2.3 Lender under Transaction Information, they are provided in the +UCD file only once. diff --git a/chunks/txt/0aae192a13aab032734dc7ad05cac57fe117cbff2fae4c02a3347486bf12051a.txt b/chunks/txt/0aae192a13aab032734dc7ad05cac57fe117cbff2fae4c02a3347486bf12051a.txt new file mode 100644 index 0000000000000000000000000000000000000000..deefa38a47a5f984e9cd6b8e910b7140c9c8b410 --- /dev/null +++ b/chunks/txt/0aae192a13aab032734dc7ad05cac57fe117cbff2fae4c02a3347486bf12051a.txt @@ -0,0 +1,41 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [Policy](/policy) + - Representation and Warranty Framework + +Policy + +# Representation and Warranty Framework + +Representations and Warranties are a lender’s assurance that a mortgage loan sold to Fannie Mae or Freddie Mac (the Enterprises) complies with the standards outlined in the Enterprise’s selling and servicing guides, including underwriting and documentation. When mortgages don’t comply, the Enterprises may require remedies, including issuing a repurchase request. diff --git a/chunks/txt/0ab74d4c249cfe7eb8881a0dff507a4bbccdf28a0dfa4e21b6b5ec2f775eca16.txt b/chunks/txt/0ab74d4c249cfe7eb8881a0dff507a4bbccdf28a0dfa4e21b6b5ec2f775eca16.txt new file mode 100644 index 0000000000000000000000000000000000000000..56700f31c523f69dabfd87f55b8358c350b4df0f --- /dev/null +++ b/chunks/txt/0ab74d4c249cfe7eb8881a0dff507a4bbccdf28a0dfa4e21b6b5ec2f775eca16.txt @@ -0,0 +1,196 @@ +@gse:DisplayLabelT +ext + +Flood Certification +Fee + +ROF as Flood +Certification Fee + +IntegratedDisclosur +eSectionType + +ServicesBorrowerDi +dNotShopFor + +Not Shown + +RegulationZPointsA +ndFeesIndicator + +true + +FullName + +Info Co. + +Not Shown – +ATR/QM + +Company name of +service provider + +Appendix E: UCD Implementation Guide + +Page 119 of 254 + +Version 1.4 + +Uniform Closing Dataset + +7.0 Loan Costs Table + +Table 96. Services Borrower Did Not Shop For + +ID + +7.5.4 + +Form Field / Fee +Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +Seller-Paid At +Closing +($) + +…/FEE/FEE_PAYME +NTS/FEE_PAYMENT + +FeeActualPaymentA +mount + +20.00 + +Represented as +“$20.00” on form + +7.5.4 + +Seller-Paid + +7.5.4 + +At Closing + +FeePaymentPaidBy +Type + +Seller + +FeePaymentPaidOu +tsideOfClosingIndic +ator + +false + +FOURTH INSTANCE OF FEE + +Represented as +Seller-Paid heading +on form + +Represented as At +Closing heading on +form + +N/A - GSE + +…/FEE/FEE_DETAIL + +FeePaidToType + +ThirdPartyProvider Not Shown – + +UID +7.073 + +7.5 + +N/A - XML + +FeeType + +Other + +7.5 + +Homeowner’s Assn +Cert Fee + +7.5 + +N/A - XML + +UID +7.070 + +7.5.1 + +N/A - GSE + +Homeowner’s Assn +Cert Fee to +Valuation Mgt + +…/FEE/FEE_PAID_T +O/LEGAL_ENTITY/LE +GAL_ENTITY_DETAI +L + +FeeTypeOtherDescr +iption + +HomeownersAssoci +ationCertificationFe +e + +@gse:DisplayLabelT +ext + +Homeowner’s Assn +Cert Fee + +IntegratedDisclosur +eSectionType + +ServicesBorrowerDi +dNotShopFor + +Not Shown + +RegulationZPointsA +ndFeesIndicator + +true + +FullName + +Valuation Mgt + +Not Shown – +ATR/QM + +Company name of +service provider + +7.5.5 + +Seller-Paid Before +Closing ($) + +…/FEE/FEE_PAYME +NTS/FEE_PAYMENT + +FeeActualPaymentA +mount diff --git a/chunks/txt/0abca18e58ac3af5df66b7d947e4447091df2b05c3b110d73fc740bcfdd332b6.txt b/chunks/txt/0abca18e58ac3af5df66b7d947e4447091df2b05c3b110d73fc740bcfdd332b6.txt new file mode 100644 index 0000000000000000000000000000000000000000..ca70ad6075303bf0aef74bdc43abd5a51fff3d95 --- /dev/null +++ b/chunks/txt/0abca18e58ac3af5df66b7d947e4447091df2b05c3b110d73fc740bcfdd332b6.txt @@ -0,0 +1,46 @@ + Identify the business conditions that dictate the submission of this + +container. For example, if the container should only be sent for purchase +money loans, provide that guidance. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 20 of 76 + +Section III. Using the MISMO v3.0 Logical Data Dictionary + +3. URN + +See Section VI. V3.0 Reference Model Features Not Used in the ULDDS. + +4. Context + +The “context” column provides two useful pieces of information: 1) how many times +and 2) where the container is used in the V3.0 Reference Model. The number of times +the container is used is indicated first as a “Count,” the number of parents this +container has within the V3.0 Reference Model. The Count is followed by an +alphabetical list of the parent containers prefaced by, “Used in: +PARENT_CONTAINER_NAME” and followed by, “as: CHILD_CONTAINER_NAME.” +When a container has more than one parent, it is important to identify it in terms of its +parent container or XPath; otherwise the intended purpose of the child container will +not be clear. + +Example III-14. MISMO LDD Container Context. + +Container: INVESTOR_FEATURES +Definition: None provided for this container. +Container URN Suffix: +urn:org:MISMO:residential:2009:LDD:INVESTOR_FEATURES +Context: + +Count=2 + + Used in: DEAL_SET as: INVESTOR_FEATURES + Used in: LOAN as: INVESTOR_FEATURES + +Notes: INVESTOR_FEATURES is used in two different containers. It is important to +link the containers used more than once in the Reference Model to their +parents to accurately indicate the category of the data points captured +within. diff --git a/chunks/txt/0ad58fd690aa56cc00a2929056b0f0d85a02545f7a47477751b4f40361dfff2e.txt b/chunks/txt/0ad58fd690aa56cc00a2929056b0f0d85a02545f7a47477751b4f40361dfff2e.txt new file mode 100644 index 0000000000000000000000000000000000000000..ba6966f56265d336eb5af0694eaf49af48f80671 --- /dev/null +++ b/chunks/txt/0ad58fd690aa56cc00a2929056b0f0d85a02545f7a47477751b4f40361dfff2e.txt @@ -0,0 +1,21 @@ +This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version. + +[**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + +This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + +[**Appendix F-3: Completion Report Reference Guide**](/media/document/pdf/appendix-f-3-completion-report-reference-guide) + +This document provides guidance on how to enter information and how the data will be displayed in the Completion Report. + +[**Appendix H-3: UAD Compliance Rules – Completion Report**](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) + +This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness. + +[**UAD 3.6 Subschema Zip File**](/media/document/zip/uad-36-schema-zip-file) + +The UAD documentation leverages the MISMO Version 3.6. The GSEs have created a Subschema that contains only the data elements needed to support the UAD 3.6 specification and includes additional enforcement. + +## Now Showing: UAD - The Movie + +Learn more about how this multi-year project will enhance appraisal data quality and consistency. diff --git a/chunks/txt/0add4bd8ca0774af78dc81a7434a7ca7cc95545ed371dbdc5ca5abcd31d5bc7c.txt b/chunks/txt/0add4bd8ca0774af78dc81a7434a7ca7cc95545ed371dbdc5ca5abcd31d5bc7c.txt new file mode 100644 index 0000000000000000000000000000000000000000..e02d71fc3e8922d2009dae628c2fca634dd2619d --- /dev/null +++ b/chunks/txt/0add4bd8ca0774af78dc81a7434a7ca7cc95545ed371dbdc5ca5abcd31d5bc7c.txt @@ -0,0 +1,54 @@ +Form Field Name +Unpaid Balance +Credit Limit + +Value +3,000.00 +20,000.00 + +Below are screen shots displaying how the XML data maps to the URLA form for scenario 2. + +18 + +19 + +Scenario 2 Calculations: + +Calculating the LTV: Loan Amount / Property Value + +Using the example data: 104,000 / 600,000 = 17.333% +DU Findings rounds up: 18% + +Calculating Combined LTV: (Loan Amount + Subordinate Lien(s) Balance + HELOC Unpaid Balance) / +Property Value + +Using the example data: (104,000 + 3,000) / 600,000 = 17.833% +DU Findings rounds up: 18% + +Calculating HCLTV: (Loan Amount + Subordinate Lien(s) Balance + HELOC Credit Limit Amount) / +Property Value + +Using the example data: (104,000 + 20,000) / 600,000 = 20.666% DU +Findings rounds up: 21% + +Scenario 3 – In this refinance transaction the Subject Property has an existing HELOC loan that is being +partially paid off. The existing HELOC has an unpaid balance of $15,000.00, a credit limit of $40,000.00 + +20 + +and an undrawn amount of $25,000.00. The Borrower will pay off $6,000 of unpaid balance prior to closing +to reduce the unpaid balance to $9,000. + +To reflect partial payoff on the account, two separate liability containers are created in the Submission File: + +• LIABILITY_3.1 +• LIABILITY_3.2 + +[Note: Labels may include decimals (LIABILITY_3.1, LIABILITY_3.2) provided each label is unique in +the transaction.] + +LIABILITY_3.1 has a LiabilityPayoffStatusIndicator = “true”, and it is structured to represent only the +portion of the liability which is paid off. + +Consequently, the LiabilityUnpaidBalanceAmount is set to $6,000 which is the amount to be paid off. The +HELOCMaximumBalanceAmount is also set to $6,000. diff --git a/chunks/txt/0b0df716fab2da5649ff864bd61822aa4f275f1e5be30f1ed13133031ccc9e99.txt b/chunks/txt/0b0df716fab2da5649ff864bd61822aa4f275f1e5be30f1ed13133031ccc9e99.txt new file mode 100644 index 0000000000000000000000000000000000000000..e6da3817826388271fed698221368c999c07fe4e --- /dev/null +++ b/chunks/txt/0b0df716fab2da5649ff864bd61822aa4f275f1e5be30f1ed13133031ccc9e99.txt @@ -0,0 +1,75 @@ +SALES +COMPARISON +APPROACH + +Extra Item Feature Name + +Sale Price +Adjustment Type +Other Description + +A free form text field used to capture +additional information when Other is +selected for Sale Price Adjustment +Type. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/C +OMPARISON_DETAIL_EXTENSION/COMP +ARISON_DETAIL_EXTENSION_SECTION[ +@ExtensionSectionOrganizationName='UNIFO +RM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTE +NSION_SECTION_DATA/COMPARISON_D +ETAIL/@GSEBelowGradeOtherRoomCount +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/S +ALE_PRICE_ADJUSTMENT[@_Type='Functi +onalUtility']/@_Description +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/S +ALE_PRICE_ADJUSTMENT[@_Type='Heatin +gCooling']/@_Description +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/S +ALE_PRICE_ADJUSTMENT[@_Type='Energy +Efficient']/@_Description +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/S +ALE_PRICE_ADJUSTMENT[@_Type='CarSto +rage']/@_Description +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/S +ALE_PRICE_ADJUSTMENT[@_Type='Porch +Deck']/@_Description +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/S +ALE_PRICE_ADJUSTMENT[@_Type='Other'] +[1]/@_TypeOtherDescription +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/S +ALE_PRICE_ADJUSTMENT[@_Type='Other'] +[1]/@_Description +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/S +ALE_PRICE_ADJUSTMENT[@_Type='Other'] +[2]/@_TypeOtherDescription +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/S +ALE_PRICE_ADJUSTMENT[@_Type='Other'] +[2]/@_Description +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/S +ALE_PRICE_ADJUSTMENT[@_Type='Other'] +[3]/@_TypeOtherDescription diff --git a/chunks/txt/0b11500010fe0a68fa8ccc7af6e0474a3b8b2bb3cde29794968fa161c372be5c.txt b/chunks/txt/0b11500010fe0a68fa8ccc7af6e0474a3b8b2bb3cde29794968fa161c372be5c.txt new file mode 100644 index 0000000000000000000000000000000000000000..8cd3449637b7b3729d8021e93a3840c157c15e59 --- /dev/null +++ b/chunks/txt/0b11500010fe0a68fa8ccc7af6e0474a3b8b2bb3cde29794968fa161c372be5c.txt @@ -0,0 +1,146 @@ +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +Must conform to USPS (Pub 28). The following address element must be +included in this field: +· City +This data is referenced more than once on the form (fields 1-7, 2-12a, 6-20a) +and must be represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +Must conform to USPS (Pub 28). The following address element must be +included in this field: +· USPS two-letter state or territory representation +This data is referenced more than once on the form (fields 1-8, 2-12b, 6-20b), +and must be represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +R + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +R + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +R + +R + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 50 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +Must conform to USPS (Pub 28). The following address element must be +included in this field: +· 5-digit ZIP Code or ZIP+4 Code (with or without the dash) +This data is referenced more than once on the form (fields 1-9, 2-12c, 6-20c) +and must be represented consistently. diff --git a/chunks/txt/0b1cd65461af25a93d26d60fbecc6523ac428a42006d538986fd32a02cb71158.txt b/chunks/txt/0b1cd65461af25a93d26d60fbecc6523ac428a42006d538986fd32a02cb71158.txt new file mode 100644 index 0000000000000000000000000000000000000000..59ce28e5d15eef4006cf40a63111cfee54e0db07 --- /dev/null +++ b/chunks/txt/0b1cd65461af25a93d26d60fbecc6523ac428a42006d538986fd32a02cb71158.txt @@ -0,0 +1,89 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/@SalesHistoryNotResearchedComment + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +Subject Has Prior +Sales Indicator + +Indicates whether the subject property has +prior sales history. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/SUBJECT[@_HasPriorSalesIndicator=‘Y’] + +Subject Has Prior +Sales Indicator + +Indicates whether the subject property has +prior sales history. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/SUBJECT[@_HasPriorSalesIndicator=‘N’] + +1 + +1 + +Boolean + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +Boolean + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PRIOR SALE +HISTORY + +Subject Prior Sales History +Data Source(s) + +Data Source +Description + +A free-form text field used to describe the +source of information. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/SUBJECT/@DataSourceDescription + +150 + +String + +This field should indicate the data sources for the subject prior sale history. + +PRIOR SALE +HISTORY + +PRIOR SALE +HISTORY + +My research Did reveal any +prior sales or transfers of the +comparable sales for the year +prior to the date of sale of the +comparable sale. + +My research Did Not reveal any +prior sales or transfers of the +comparable sales for the year +prior to the date of sale of the +comparable sale. + +Comparable Has +Prior Sales +Indicator + +Comparable Has +Prior Sales +Indicator + +Indicates whether the comparable property +has prior sales history. diff --git a/chunks/txt/0b325c0593849a8e6aba781f52650d57e0928d9bcf0dc476d0662ee28b88b3f6.txt b/chunks/txt/0b325c0593849a8e6aba781f52650d57e0928d9bcf0dc476d0662ee28b88b3f6.txt new file mode 100644 index 0000000000000000000000000000000000000000..30b11179abf211b32c78157bbf8d0a4623dc2cca --- /dev/null +++ b/chunks/txt/0b325c0593849a8e6aba781f52650d57e0928d9bcf0dc476d0662ee28b88b3f6.txt @@ -0,0 +1,140 @@ +1 +High-rise +15 +10 or more feet +1971 +None + +Mechanical System Details + +Heating + +Cooling + +System +Forced Warm Air + +Centralized + +Detail +Natural Gas + +Core Heating System Below Grade + +Other Mechanical Systems + +Fire Suppression + +Yes No +  + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior) + +None + +Dwelling Exterior Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Dwelling Exterior Exhibits + +Dwelling Rear + +Unit Interior + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source + +1,209 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +Assessor Record +MLS +Property Management +Company + +Levels in Unit +Floor Number +Corner Unit +Occupancy +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half +Non-Residential Use in Unit +Live/Work Space + +1 +12 +No +Owner +1 +1 +0 +No +No + +Level and Room Detail + +Level in Unit +Level 1 + +Grade Level Detail +Above Grade + +Finish +Finished + +Area +1,209 Sq. Ft. + +Room Summary +1 - Bath - Full +1 - Bedroom +1 - Dining Room +1 - Kitchen +1 - Living Room + +Appraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 6 of 18 +Page 6 of 18 + +Unit Interior (continued) + +Quality and Condition + +Interior Quality Rating + +Q3 + +Interior Condition Rating + +C3 + +The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report + +Kitchen and Bathroom Details + +Room +Kitchen +Level 1 + +Bath - Full +Level 1 + +Update Status +Fully Updated + +Time Frame +1–5 years + +Fully Updated diff --git a/chunks/txt/0b3deec53903461f31723af1252194b3cd01fead922fcb685f07b30eab418267.txt b/chunks/txt/0b3deec53903461f31723af1252194b3cd01fead922fcb685f07b30eab418267.txt new file mode 100644 index 0000000000000000000000000000000000000000..57dba9925859e0e425693c109c6edf547aae4d2e --- /dev/null +++ b/chunks/txt/0b3deec53903461f31723af1252194b3cd01fead922fcb685f07b30eab418267.txt @@ -0,0 +1,51 @@ +Specifically, FHFA has added the +following new data fields in the PUDB +matrices for HMDA data elements that +are currently collected and reported by +the Enterprises but which had been +coded differently in the PUDB: single- +family borrower race or national origin +1–5; single-family co-borrower race or +national origin 1–5; single-family +borrower ethnicity; single-family co- +borrower ethnicity; and single-family +lien status. + +FHFA has added the following new + +data fields in the PUDB matrices for +HMDA data elements that are currently +collected and reported by the +Enterprises but which had not +previously been included in the PUDB: +single-family rate spread; single-family +HOEPA status; and multifamily lien +status (previously reported by Freddie +Mac only). + +FHFA has also added a new data field +for single-family property type, which is +currently collected but which had not +previously been reported by the +Enterprises. + +C. HMDA Data Elements Not +Incorporated in the PUDB Pursuant to +HMDA Section 304(j) + +Consistent with section 304(j) of +HMDA, the PUDB does not disclose +personally identifiable information (PII) +contained in loan data reported by the +Enterprises to FHFA. FHFA does not +receive the applicant’s name, +identification number, or date of loan +application from the Enterprises. FHFA +does receive the date of the mortgage +note, which is equivalent to the HMDA +‘‘action date’’ for an originated loan, but +FHFA does not release this information +in the PUDB files with the exception of +single-family National File B where it is +released in data field 20 in an +aggregated form to protect PII. diff --git a/chunks/txt/0b408846aceb2ac070ea1970f2d8e235522656d8545a55eb70a0579662366bbc.txt b/chunks/txt/0b408846aceb2ac070ea1970f2d8e235522656d8545a55eb70a0579662366bbc.txt new file mode 100644 index 0000000000000000000000000000000000000000..c3cccd0affd73dd20ee4f99d4c33d65ea1d569ee --- /dev/null +++ b/chunks/txt/0b408846aceb2ac070ea1970f2d8e235522656d8545a55eb70a0579662366bbc.txt @@ -0,0 +1,139 @@ +Appendix F-1: URAR Reference Guide + +Page 298 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +23 Rental Information + +Comparable Rental Analysis – Summary + +Report +Field ID + +Report Label + +When Row +Displays + +When to Include for +each Comparable Unit + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Rental Information: Comparable Rental Analysis - Summary + +23.03.21 +23.03.44 + +Rent Per +Finished Area + +Always + +Always required + +Dollar amount + +23.03.22 +23.03.45 + +Actual Rent + +Always + +Always required. +Redisplays from +23.02.06. + +Dollar amount + +Rental Information +• Monthly Actual + +Rent for Unit +23.01.04 +Finished Area of +Unit 23.03.13 + +• + +Rental Information +• Monthly Actual + +Rent for Unit +23.01.04 + +No + +Calculated: Monthly Actual Rent for Unit / Finished Area of Unit + +No + +Monthly Actual Rent for Unit + +For the subject property, this information displays in the following +subsections of Rental Information: +• + +Rent Schedule +o +o + +Subject Property Rental Information 23.01.04 +Actual Income (Monthly) 23.01.13 + +23.03.46 Overall + +If relevant + +Comparison to +Subject + +Required when the +row is included in the +rental comparison grid + +Superior, Similar, +or Inferior + +23.03.47 Adjusted Rent Always + +Always required + +Dollar amount + +Overall Comparison to +Subject Unit is only +applicable to +comparables + +Adjusted Rent is only +applicable to +comparables + +No + +No + +• + +Comparable Rental Analysis Summary 23.03.22 + +Overall Comparison to Subject Unit: Describes how the comparable unit +compares overall to the subject unit. + +The appraiser’s market-supported overall adjustment for the +difference(s) between the comparable and the subject unit’s +characteristics. diff --git a/chunks/txt/0b4336c3a244b3c9e2153e8a512f3792c71f473d3ee9bab558f1608f617d7cf8.txt b/chunks/txt/0b4336c3a244b3c9e2153e8a512f3792c71f473d3ee9bab558f1608f617d7cf8.txt new file mode 100644 index 0000000000000000000000000000000000000000..33454f95db348738ed447df350fc047da2423758 --- /dev/null +++ b/chunks/txt/0b4336c3a244b3c9e2153e8a512f3792c71f473d3ee9bab558f1608f617d7cf8.txt @@ -0,0 +1,34 @@ +HomeStyle Renovation Update + +DU will now identify HomeStyle Renovation loan casefiles using both the Renovation Loan indicator and the amount of +renovations provided in Form 1003, Line B of Qualifying the Borrower. This will allow lenders to use these fields separately for +transactions that are not HomeStyle Renovation loans. + +When either of the fields is provided without the other, DU will issue a message specifying that both fields must be provided in +order for the loan casefile to be underwritten as a HomeStyle Renovation mortgage. + +Rent Payment Identification on Third-Party Asset Verification Reports + +We continue to fine-tune the logic that identifies the rent payment history on a 12-month third-party asset verification report +(“asset verification report”). Based on recent observations, updates will be made to improve DU’s ability to identify a rent +payment history. + +© 2023 Fannie Mae. + +1.25.23 + +1 of 2 + +Note: As continued analysis on this logic is performed, future updates will be made as necessary, and will be communicated +in advance of the update being made in DU. + +Cash Flow Assessment + +DU will conduct a cash flow assessment when the lender obtains an asset verification report for loan casefiles where no borrower +has a credit score. Currently when an asset verification report is not received and the loan casefile receives a Refer with Caution +recommendation, DU will issue a message informing the lender that the loan casefile may be able to receive a more favorable DU +recommendation by ordering an asset verification report. + +A new message will be issued when an asset verification report is not received and the loan casefile receives an Approve/Eligible +recommendation informing the lender that if an asset verification report is obtained and the loan casefile is resubmitted to DU, +the report may satisfy the Selling Guide requirement to document nontraditional credit references. diff --git a/chunks/txt/0b4c3fab7f8b80ca1f30ac69e9a70400af290817c777c30f6d7d1cde39b5c21c.txt b/chunks/txt/0b4c3fab7f8b80ca1f30ac69e9a70400af290817c777c30f6d7d1cde39b5c21c.txt new file mode 100644 index 0000000000000000000000000000000000000000..921080d8505ec14bbbc22ff083870026b83b439d --- /dev/null +++ b/chunks/txt/0b4c3fab7f8b80ca1f30ac69e9a70400af290817c777c30f6d7d1cde39b5c21c.txt @@ -0,0 +1,76 @@ +The organization of the report PDF is laid out in a four-level hierarchy of information, each with defined headings and style. + +1. At the highest level, there are sections that appear in a black rounded tab with white lettering. This will repeat at the top of each page and + +will be followed by “(continued)” if a section goes onto another page. + +2. Next are subsections that are defined by a gray bar and indicate a grouping of information contained within each section. +3. Labels are bolded. +4. Sub-Labels are not bolded. + +This table shows the sections of the Completion Report and when they display. For more information about a section, reference the appropriate chapter of +this guide. + +Section # + +Section Header + +When Section Displays on Report + +Page 9 + +1 + +2 + +3 + +4 + +5 + +6 + +7 + +8 + +9 + +Subject Property + +Original Appraisal + +Always + +Always + +Itemized List of Repairs + +When Market Value Condition from the original appraisal included Subject to Repair. + +New Observed Items for Repair When new items are observed in the course of the completion inspection. + +Completion Status + +When Market Value Condition from the original appraisal included Subject to Completion +Per Plans. + +Completion Report Commentary When comments are provided + +Completion Report Exhibits + +When exhibits are provided + +Assignment Information + +Always + +Certifications and Intended Use + +Always + +Header and Footer + +The header and footer display on each page of the Completion Report. They provide navigation and reference notations including report title, page +numbers, and, if applicable, Reference IDs used by various parties to the report. diff --git a/chunks/txt/0b52cb9511fd0bb58508c914ebc2909ee669d0478e2bdfefd8382e935d891743.txt b/chunks/txt/0b52cb9511fd0bb58508c914ebc2909ee669d0478e2bdfefd8382e935d891743.txt new file mode 100644 index 0000000000000000000000000000000000000000..7d644d0b1a34616f76c85389e32e9c1bafcd0b2b --- /dev/null +++ b/chunks/txt/0b52cb9511fd0bb58508c914ebc2909ee669d0478e2bdfefd8382e935d891743.txt @@ -0,0 +1,31 @@ +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/14396","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); })(); diff --git a/chunks/txt/0b61d0ab37ad602869dfc06a48acf35fd21dbfb58403cdfa474611408c9e0568.txt b/chunks/txt/0b61d0ab37ad602869dfc06a48acf35fd21dbfb58403cdfa474611408c9e0568.txt new file mode 100644 index 0000000000000000000000000000000000000000..3fdd4bc7127f067d22003e1e5b97338d5fcb788e --- /dev/null +++ b/chunks/txt/0b61d0ab37ad602869dfc06a48acf35fd21dbfb58403cdfa474611408c9e0568.txt @@ -0,0 +1,100 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_ +ADJUSTMENT[@_Type=‘CarStorage’]/@_Amount + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_ +ADJUSTMENT[@_Type=‘PorchDeck’]/@_Description + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_ +ADJUSTMENT[@_Type=‘PorchDeck’]/@_Amount + +10 + +20 + +10 + +20 + +10 + +20 + +10 + +20 + +10 + +20 + +10 + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +Money + +PDF Display Format: +Whole dollars only. + +This field is required if the value of +field e-19 (GSE Below Grade Finish +Square Feet Number) is greater than +zero. + +The sum of this field 3-97 and fields (3- +60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72, +3-74, 3-76, 3-78, 3-80, 3-82, 3-84, 3- +86, 3-87, 3-91, 3-93, 3-95, 3-99, 3-101, +3-103, 3-105, 3-107, 3-109, 3-111) +must add up to Net Adjustment field 3- +116. + +CR + +CR + +CR + +CR + +CR + +CR + +String + +This is a free text field which should describe the functional utility. + +T + +T + +T + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +Money + +PDF Display Format: +Whole dollars only. + +The sum of this field 3-99 and fields (3- +60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72, +3-74, 3-76, 3-78, 3-80, 3-82, 3-84, 3- +86, 3-87, 3-91, 3-93, 3-95, 3-97, 3-101, +3-103, 3-105, 3-107, 3-109, 3-111) +must add up to Net Adjustment field 3- +116. diff --git a/chunks/txt/0b74547c908d5b300703353b301e67fbc0839181f57677937309a95816d33fe8.txt b/chunks/txt/0b74547c908d5b300703353b301e67fbc0839181f57677937309a95816d33fe8.txt new file mode 100644 index 0000000000000000000000000000000000000000..cc4ec064f15f3d9f1cd33d1989c3833b2913c13c --- /dev/null +++ b/chunks/txt/0b74547c908d5b300703353b301e67fbc0839181f57677937309a95816d33fe8.txt @@ -0,0 +1,64 @@ +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/C +OMPARISON_LOCATION_OVERALL_RATI +NG_EXTENSION/COMPARISON_LOCATIO +N_OVERALL_RATING_EXTENSION_SECTI +ON[@ExtensionSectionOrganizationName='UNI +FORM APPRAISAL +DATASET']/COMPARISON_LOCATION_OV +ERALL_RATING_EXTENSION_SECTION_D +ATA/COMPARISON_LOCATION_OVERALL +_RATING/@GSEOverallLocationRatingType + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/C +OMPARISON_LOCATION_DETAIL_EXTEN +SION/COMPARISON_LOCATION_DETAIL_ +EXTENSION_SECTION[@ExtensionSectionOr +ganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_LOCATION_DE +TAIL_EXTENSION_SECTION_DATA/COMP +ARISON_LOCATION_DETAIL[@_SequenceI +dentifier='1..2']/@GSELocationType + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +The allowable values are listed below. When representing these values in the +XML file, they must be shown exactly as they appear below: + +10 + +Enumerated + +Allowable Values PDF Display +Neutral N +Beneficial B +Adverse A + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +The allowable values are listed below. When representing these values in the +XML file, they must be shown exactly as they appear below: + +20 + +Enumerated + +Allowable Values PDF Display +Residential Res +Industrial Ind +Commercial Comm +BusyRoad BsyRd +WaterFront WtrFr +GolfCourse GlfCse +AdjacentToPark AdjPrk +AdjacentToPowerLines AdjPwr +Landfill Lndfl +PublicTransportation PubTrn +Other * + +*See field e-16 directly below. diff --git a/chunks/txt/0b798596a429bd1e89dff61511557bf44580804492a2c3aaa90f995d1a87fc5b.txt b/chunks/txt/0b798596a429bd1e89dff61511557bf44580804492a2c3aaa90f995d1a87fc5b.txt new file mode 100644 index 0000000000000000000000000000000000000000..1a454b5335144b4e4a685b4c2d606a8dacc2af64 --- /dev/null +++ b/chunks/txt/0b798596a429bd1e89dff61511557bf44580804492a2c3aaa90f995d1a87fc5b.txt @@ -0,0 +1,122 @@ +Uniform Residential Appraisal Report + +Page 13 of 23 + +Subject Property Amenities + +Amenity Category +Outdoor Living + +Subject Property Amenity +Deck + +Water Features + +Whole Home + +Patio + +Porch + +Inground Pool + +Indoor Fireplace + +Wood Stove + +Material +Wood + +Wood + +Concrete + +Concrete + +Concrete + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +None + +Subject Property Amenities Exhibits + +Deck - Deck 1 and Deck 2 + +Patio + +Detail +640 Sq. Ft. + +160 Sq. Ft. + +1,200 Sq. Ft. + +300 Sq. Ft. + +Heated + +Total Number - 1 + +Total Number - 1 + +This is where the Decks photo would display. + +This is where the Patio photo would display. + +Porch + +Inground Pool + +This is where the Porch photo would display. + +This is where the Inground Pool photo would display. + +Indoor Fireplace + +Wood Stove + +This is where the Indoor Fireplace photo would display. + +This is where the Wood Stove photo would display. + +Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 14 of 23 + +Overall Quality and Condition + +Overall Quality + +Exterior Quality +Interior Quality + +Q4 +Q4 +Q4 + +Overall Condition + +Exterior Condition +Interior Condition + +C4 +C3 +C4 + +Reconciliation of Overall Quality and Condition + +The exterior was recently painted, and new windows, shutters and doors were installed. However, the overall condition was reconciled to C4 +given the interior condition of the primary dwelling and ADU. + +Highest and Best Use + +Is the present use of the subject … + +Legally Permissible +Physically Possible + +Yes +Yes diff --git a/chunks/txt/0b7e7b0ed548f318bb009dc642d76fbfc659df3b1b60062515be7fae0640f8a5.txt b/chunks/txt/0b7e7b0ed548f318bb009dc642d76fbfc659df3b1b60062515be7fae0640f8a5.txt new file mode 100644 index 0000000000000000000000000000000000000000..9422a81e3a7b05c54a4cb02fd1681fa40518b7b8 --- /dev/null +++ b/chunks/txt/0b7e7b0ed548f318bb009dc642d76fbfc659df3b1b60062515be7fae0640f8a5.txt @@ -0,0 +1,96 @@ +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 Value + +Notes + +Table 63. P&I Payment Increase Terms + +4.3.3 (2) Goes as high as $n in +year n + +4.3.3 (1) Adjusts every n +years starting in +year n + +4.3.3 (1) Adjusts every n +years starting in +year n + +…/PRINCIPAL_AND_I +NTEREST_PAYMENT +_PER_CHANGE_ADJ +USTMENT_RULE + +169 + +PrincipalAndInterest +PaymentMaximumA +mountEarliestEffecti +veMonthsCount + +AdjustmentRuleTyp +e + +First + +36 + +PerChangePrincipal +AndInterestPayment +AdjustmentFrequen +cyMonthsCount + +Represented as +“Year 15” in Loan +Terms table + +Represented as +“starting in” in Loan +Terms table + +Represented as “3 +Years” in Loan +Terms table + +a. MAPPI NG GUIDANCE + +See V. Consolidated Mapping Guidance entry for “Principal and Interest Payment Adjustment.” + +b. LOANS WI TH I NTEREST-ONLY OPTION + +If the principal and interest payment can increase after closing and there is a period when interest only +payments are allowed, a bullet describing the interest only period must be provided as shown in the following +figure, based on additional data points as shown in the table below. + +4.0 Loan Terms + +Can this amount increase after closing? + +4.3 Monthly Principal & Interest +See Projected Payments below for your +Estimated Total Monthly Payment + +4.3.1 $761.78 4.3.2 YES + +4.3.3 • Adjusts every 3 years starting in year 6 + +• Can go / Goes as high as $1,870 in year 14 +• Includes only interest and no principal until +year 6 + See AP Table on page 4 for details + +Figure 46. Loan Has Interest Only Feature + +Table 64. Loan Has Interest Only Feature + +ID (bullet) Form Field Name + +MISMO v3.3.0 +Context diff --git a/chunks/txt/0b84c0f3719cae2f4e47eacac9e849f9e68edd3e822f4fea6adaa310848a674a.txt b/chunks/txt/0b84c0f3719cae2f4e47eacac9e849f9e68edd3e822f4fea6adaa310848a674a.txt new file mode 100644 index 0000000000000000000000000000000000000000..10a5594bd34c6dbf87289bb4ea0feee3ab120156 --- /dev/null +++ b/chunks/txt/0b84c0f3719cae2f4e47eacac9e849f9e68edd3e822f4fea6adaa310848a674a.txt @@ -0,0 +1,164 @@ +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +143 + +144 + +145 + +146 + +147 + +148 + +149 + +150 + +151 + +152 + +153 + +154 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +137 + +138 + +139 + +140 + +141 + +142 + +143 + +e-8 + +PROJECT +INFORMATION + +Project Description +Other + +Project Design Type + +This field specifies the type of design for +the multiple unit buildings in a project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='Other'] + +PROJECT +INFORMATION + +Project Description +Other (describe) + +Project Design Type +Other Description + +A free-form text field used to describe the +design if Other is selected as the Project +Design Type. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='Other']/@ +_DesignTypeOtherDescription + +PROJECT +INFORMATION + +# of Stories + +GSE Stories Count + +The number of whole or partial stories of +the property. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_EXTE +NSION/STRUCTURE_EXTENSION_SECTION[@ExtensionSectionOrganizatio +nName='UNIFORM APPRAISAL +DATASET']/STRUCTURE_EXTENSION_SECTION_DATA/STRUCTURE_IN +FORMATION/@GSEStoriesCount + +PROJECT +INFORMATION + +# of Elevators + +PROJECT +INFORMATION + +Existing + +PROJECT +INFORMATION + +Proposed + +Elevator Count + +Number of elevators. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/@ElevatorCount + +Building Status +Type + +Specifies the physical status of the +structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@BuildingStatusType= +'Existing'] + +Building Status +Type + +Specifies the physical status of the +structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@BuildingStatusType= +'Proposed'] + +PROJECT +INFORMATION + +Under Construction + +Building Status +Type diff --git a/chunks/txt/0b8bce938bf5da1f2e7392343b4f8e9ff0a4e1536a7965da2f3b5e07cea169c3.txt b/chunks/txt/0b8bce938bf5da1f2e7392343b4f8e9ff0a4e1536a7965da2f3b5e07cea169c3.txt new file mode 100644 index 0000000000000000000000000000000000000000..c23c368725ed25b8882e2397731660abb820cacb --- /dev/null +++ b/chunks/txt/0b8bce938bf5da1f2e7392343b4f8e9ff0a4e1536a7965da2f3b5e07cea169c3.txt @@ -0,0 +1,101 @@ +37 12 CFR 1003.4(a)(30). +38 84 FR at 656. +39 80 FR at 66299; 12 CFR 1003.4(a)(33). The + +CFPB does not use the terms ‘‘broker’’ and ‘‘retail,’’ +but the Enterprises’ data use these terms in a way +that corresponds to the HMDA Application Channel +values. + +40 84 FR at 656. +41 12 CFR 1003.4(a)(35). +42 The CFPB’s Official Interpretation to + +Regulation C sets out how multiple AUSs used to +evaluate a single loan application are reported. See +Supplement I to Part 1003—Official Interpretations, +comment 4(a)(35) (Official Interpretations). The +PUDB data will not fully align with the Regulation +C data since the Enterprises do not collect data on +all of the AUSs that may have been used prior to +origination. + +VerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00040 Fmt 4703 Sfmt 4703 E:\FR\FM\03JNN1.SGM 03JNN1 + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +2 +4 +C +V +5 +F +9 +K +S +D +n +o + +r +e +t +t +o + +l + +34200 + +Federal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices + +Census Tract File, in conformance with +the CFPB Privacy Guidance.43 + +Debt-to-Income (DTI): DTI is a new +HMDA data element representing the +ratio of the borrower’s total monthly +debt to total monthly income relied on +by the lender to make the credit +decision.44 Both Enterprises indicated +that they can calculate and report DTI +based on data they receive from their +loan sellers. Accordingly, DTI will be +added to the PUDB Single-Family +Census Tract File and disclosed in +conformance with the CFPB Privacy +Guidance.45 + +Loan Purpose (Cash-Out Refinancing): +Loan Purpose is a modified HMDA data +element that indicates whether the loan +was for Home Purchase, Home +Improvement, Refinancing, Cash-Out +Refinancing, or Other. The Regulation C +amendments added Cash-Out +Refinancing and Other.46 Both +Enterprises indicated that they collect +Cash-Out Refinancing, but not Other. +Cash-Out Refinancing will be added to +the PUDB Single-Family Census Tract +File and disclosed unmodified, in +conformance with the CFPB Privacy +Guidance.47 (The current PUDB +includes the other HMDA Loan Purpose +values, which will continue to be +disclosed.) diff --git a/chunks/txt/0b8c55c5a075af09e97e7ed53ae6620497df26c47c4f954c2d923ee54db22814.txt b/chunks/txt/0b8c55c5a075af09e97e7ed53ae6620497df26c47c4f954c2d923ee54db22814.txt new file mode 100644 index 0000000000000000000000000000000000000000..b21343b8dad8fb057d9fad26c0ad7b48189e650b --- /dev/null +++ b/chunks/txt/0b8c55c5a075af09e97e7ed53ae6620497df26c47c4f954c2d923ee54db22814.txt @@ -0,0 +1,172 @@ +Uniform Residential Appraisal Report + +HF.001 + +Page [Page] of [Pages] + +Market + +Market Area Boundary + +17.003 + +Search Criteria Description + +17.004 + +Search Result Metrics + +Active Listings + +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales + +17.005 + +17.006 + +17.007 + +17.008 + +17.009 + +17.010 + +Price Trend Analysis Commentary + +17.019 + +17.011 + +Sales in Past + +Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Graph +Price Trend Source + +17.012 + +17.013 + +17.014 + +17.015 + +17.016 + +17.017 + +17.018 + +17.021 + +Marketing Time + +17.022 + +Housing Trends + +Demand/Supply + +Market Commentary + +17.023 +Market Exhibits + +17.024.1 | 17.024.2 + +17.017.1 | 17.017.2 + +Appraisal Version # + +HF.002 + +Fannie Mae | Freddie Mac +September 2024 + +HF.003 +HF.004 + +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +HF.005 +HF.006 +HF.007 +HF.008 + +Uniform Residential Appraisal Report + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20) + +Page [Page] of [Pages] + +Project Information + +18.000 +Planned Unit Development (PUD) (cid:133) + +18.001 + Condominium (cid:133) + +18.002 + Cooperative (cid:133) + +18.003 + Condop (cid:133) + +18.004 + +Project Completeness + +Are units, common areas, and amenities in project +complete? +Subject Property Building Complete +Converted in Past 3 Years + +Ground Rent + +Annual Amount +Expires + +18.020 +18.021 + +Description of Ground Rent + +18.022 + +18.016 + +Yes No +(cid:133) (cid:133) + +18.017 +18.018 + +18.019 + +(cid:133) (cid:133) +(cid:133) (cid:133) +(cid:133) (cid:133) + +Proprietary Lease Expires + +18.025 + +18.037 +18.038 +18.039 diff --git a/chunks/txt/0b962293e11033e0faeb381171b0a3b544ffb74ff5885b22b2e2c5b81dcd73c2.txt b/chunks/txt/0b962293e11033e0faeb381171b0a3b544ffb74ff5885b22b2e2c5b81dcd73c2.txt new file mode 100644 index 0000000000000000000000000000000000000000..52614f86ddffaaa00bdaa63cf8e18f3272cea1f3 --- /dev/null +++ b/chunks/txt/0b962293e11033e0faeb381171b0a3b544ffb74ff5885b22b2e2c5b81dcd73c2.txt @@ -0,0 +1,94 @@ +8.021 + +Commentary on +Effective Age + +Displays for FHA, +USDA, and VA +appraisals when Cost +Approach Developed +by Appraiser is No + +Displays for FHA, +USDA, and VA +appraisals when +Remaining Economic +Life is less than 30 +years, or if relevant + +Displays for FHA, +USDA, and VA +appraisals when Cost +Approach Developed +by Appraiser is No + +Photo of Dwelling Front + +Allowable +Answers / Format + +Number of years +or range of years + +Definition / Additional Guidance + +The estimated age of a structure based on its utility and physical wear and tear. + +Free-form + +Commentary could include information pertinent to Remaining Economic Life +that is not captured in the discrete data, or additional details to support the +discrete data that is provided. + +Free-form + +Commentary could include information pertinent to Effective Age that is not +captured in the discrete data, or additional details to support the discrete data +that is provided. + +Dwelling Front Photo + +Report +Field ID + +See +iGuide + +Report Label + +When to Include + +Allowable +Answers / Format + +N/A + +Always required + +Photo + +Definition / Additional Guidance + +Dwelling Front Photo +A photo of the front of the dwelling must be provided, which displays at the top +of the Dwelling Exterior section. + +Additional photo(s) of the front of the dwelling may be provided, which display +in Dwelling Exterior Exhibits with the caption “Dwelling Front”. An additional +caption may be provided to further identify each photo. + +Appendix F-1: URAR Reference Guide + +Page 100 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +08 Dwelling Exterior + +Quality and Condition + +The Quality and Condition subsection (gray bar) including the Exterior Features table displays if Homeowner +Responsible for all Exterior Maintenance of Dwellings (3.016) is Yes, and the “When to Include” column in this +chapter reflects this. diff --git a/chunks/txt/0b9bf12adae6087523430220e8ff87d28316b4dda04d84a62d3fee2a77234029.txt b/chunks/txt/0b9bf12adae6087523430220e8ff87d28316b4dda04d84a62d3fee2a77234029.txt new file mode 100644 index 0000000000000000000000000000000000000000..e0ed23183796f6654c1100932784e77684cf7cb2 --- /dev/null +++ b/chunks/txt/0b9bf12adae6087523430220e8ff87d28316b4dda04d84a62d3fee2a77234029.txt @@ -0,0 +1,121 @@ +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Subject Site Owned in Common + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised + +1 +0 +Fee Simple + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? + +Zoning Compliance + +Legal + +Site Built +Detached + +Overall Quality +Overall Condition + +Q4 +C4 + +Yes No +  +  +  +  +  + +Yes No +  + +This is where the Subject Property photo would display. + +Apparent Defects, Damages, Deficiencies Requiring Action + +The items listed below represent the As Is condition as of the effective date of this report + +Feature +Dwelling Exterior + +Location + +Description + +Roof + +Section of Roof + +Roof is significantly worn and has +damaged flashing, but no apparent +active leaks. + +As Is Overall Condition Rating + +C5 + +Existing condition of the property as of the effective date of this +appraisal, excluding all required repairs, alterations, or inspections + +Affects Soundness +or Structural +Integrity + +Recommended +Action + +Estimated Cost to +Repair + +Yes + +Repair + +$1,500 + +Total Cost + +$1,500 + +Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 2 of 21 +Page 2 of 21 + +NEW PG! + +Assignment Information + +Assignment Reason +Borrower Name + +Seller Name +Current Owner of Public Record + +Purchase +Betty Borrower +Bob Borrower +Jane Doe +Jane Doe + +Property Valuation Method + +Traditional Appraisal + +Was a Property Data Report used in lieu of an +Inspection? + +Yes No +  diff --git a/chunks/txt/0ba4696640eb624798c03fa7ea9e9ce071afe24efdd5bac22d576a5a20d7efcd.txt b/chunks/txt/0ba4696640eb624798c03fa7ea9e9ce071afe24efdd5bac22d576a5a20d7efcd.txt new file mode 100644 index 0000000000000000000000000000000000000000..bef1005ec3e664cbbd1035ae7887a0ed689013bf --- /dev/null +++ b/chunks/txt/0ba4696640eb624798c03fa7ea9e9ce071afe24efdd5bac22d576a5a20d7efcd.txt @@ -0,0 +1,173 @@ +LevelTwo + +Bedroom + +Bedroom 4 + +\\Images\SF4_Bedroom4.png + +image/png + +LevelTwo + +Bedroom + +Bedroom 5 + +\\Images\SF4_Bedroom5.png + +image/png + +LevelTwo + +Bedroom + +Bath2 + +\\Images\SF4_FullBath2.png + +image/png + +LevelTwo + +Well-maintained + +TypicalWearAndTear + +Standard grade fixtures, floors, and cabinetry + +FullBathroom + +NotUpdated + +Bath3 + +\\Images\SF4_FullBath3.png + +image/png + +LevelTwo + +Well-maintained + +TypicalWearAndTear + +Standard grade fixtures, floors, and cabinetry + +FullBathroom + +NotUpdated + +None + +CeramicTile + +No damage or condition issues noted. + +TypicalWearAndTear + +Standard grade - meets market expectations for this type of unit. + +Laminate + +No damage or condition issues noted. + +TypicalWearAndTear + +Standard grade - meets market expectations for this type of unit. + +Flooring + +FullyUpdated + +No damage or condition issues noted + +TypicalWearAndTear + +Standard grade - meets market expectations for this type of unit. + +WallsAndCeiling + +EightFeet + +Flat + +ExteriorAccessOnly + +WalkOut + +PartiallyBelowGrade + +704 + +BelowGradeOne + +0 + +0 + +0 + +0 + +0 + +0 + +704 + +true + +true + +true + +ExteriorAccessOnly + +1 + +Below Grade + +1 + +0 + +C4 + +Q4 + +1 + +FullyUpdated + +false + +ADU + +false + +Vacant + +The ADU was built-out within the past 5 -10 years with standard builder grade materials that are typical for accessory units in this market. The unit has been well maintained with no apparent defects, damages or deficiencies. + +false + +\\Images\SF4_ADU_Bedroom.png + +image/png + +BelowGradeOne + +Bedroom + +\\Images\SF4_ADU_FullBath.png + +image/png + +BelowGradeOne + +No damage or condition issues noted. + +TypicalWearAndTear + +Standard builder grade cabinets, materials, and appliances diff --git a/chunks/txt/0ba89ead1ed3bcdc2795a2b9df8752dd645191638568889ea29f6f8e20c6a80f.txt b/chunks/txt/0ba89ead1ed3bcdc2795a2b9df8752dd645191638568889ea29f6f8e20c6a80f.txt new file mode 100644 index 0000000000000000000000000000000000000000..705fa54ccdde33c77aaf9cbc49d7d8158105330e --- /dev/null +++ b/chunks/txt/0ba89ead1ed3bcdc2795a2b9df8752dd645191638568889ea29f6f8e20c6a80f.txt @@ -0,0 +1,28 @@ +2023-037 Corrected references to ASC and the ASC National Registry. + +06/27/2023 1.0 + +Initial publication + +Appendix F-2: Appraisal Update Report Reference Guide + +Page 2 of 28 + +Version 1.3 + +Uniform Appraisal Dataset + +Table of Contents + +Table of Contents + +Revision History ................................................................................................................................................................... 2 +Table of Contents................................................................................................................................................................. 3 +Introduction ......................................................................................................................................................................... 4 +Overview ............................................................................................................................................................................. 5 +Header and Footer ............................................................................................................................................................... 8 +01 Subject Property ............................................................................................................................................................. 9 +02 Original Appraisal ......................................................................................................................................................... 11 +03 Appraisal Update .......................................................................................................................................................... 12 +04 Assignment Information ............................................................................................................................................... 14 +05 Certifications and Scope of Work .................................................................................................................................. 22 diff --git a/chunks/txt/0ba8f4691c8970dc584e9fb8821d0b84929030a4b8e4a8f247cffe268aa91d45.txt b/chunks/txt/0ba8f4691c8970dc584e9fb8821d0b84929030a4b8e4a8f247cffe268aa91d45.txt new file mode 100644 index 0000000000000000000000000000000000000000..bcf60bd2ea942bffd3af41eae43037fd72350bb8 --- /dev/null +++ b/chunks/txt/0ba8f4691c8970dc584e9fb8821d0b84929030a4b8e4a8f247cffe268aa91d45.txt @@ -0,0 +1,91 @@ +CR + +CR + +T + +CR + +R + +CR + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +PDF Display Format: +Whole dollars only. +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +The total size of the entire site/parcel must be entered. No other data should be +entered in this field. For sites/parcels that have an area of less than 1 acre, the size +must be reported in square feet (whole numbers only, e.g., 27840 sf). Sites/parcels +that have an area of 1.00 acre or greater must be reported in acreage to two decimal +places (e.g., 8.35 ac). + +PDF Display Format: +If less than 1 acre: Square feet, whole numbers only. If 1.00 acre or more: Acres, +numeric to 2 decimal places. Indicate the unit of measure as either ‘sf’ for square +feet or ‘ac’ for acres as appropriate. + +Examples: +· 6400 sf +· 3 40 ac +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +PDF Display Format: +Whole dollars only. + +298 + +2 + +62 + +SALES +COMPARISON +APPROACH + +Site + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL +E_PRICE_ADJUSTMENT[@_Type='SiteArea']/@_Description + +20 + +String + +299 + +2 + +63 + +SALES +COMPARISON +APPROACH + +Site Adjustment + +Sale Price +Adjustment Amount + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL +E_PRICE_ADJUSTMENT[@_Type='SiteArea']/@_Amount diff --git a/chunks/txt/0baab966c1f823aaf868e4c10d16dda5ce7cbb094f5d59311bf3e36302d2ed17.txt b/chunks/txt/0baab966c1f823aaf868e4c10d16dda5ce7cbb094f5d59311bf3e36302d2ed17.txt new file mode 100644 index 0000000000000000000000000000000000000000..8d6eb05689821fb23b858434b4def307e1047a72 --- /dev/null +++ b/chunks/txt/0baab966c1f823aaf868e4c10d16dda5ce7cbb094f5d59311bf3e36302d2ed17.txt @@ -0,0 +1,126 @@ +Uniform Residential Appraisal Report + +Page 12 of 26 + +Unit Interior - Building 1 - Unit D (continued) + +Level 1 - Bedroom - Bedroom 1 + +Level 1 - Bedroom - Bedroom 2 + +This is where the Unit D Bedroom 1 photo would display. + +This is where the Unit D Bedroom 2 photo would display. + +Level 1 - Dining Room + +Level 1 - Kitchen + +This is where the Unit D Dining Room photo would display. + +This is where the Unit D Kitchen photo would display. + +Level 1 - Living Room + +This is where the Unit D Living Room photo would display. + +Functional Obsolescence + +Functional Issues + +None + +Vehicle Storage + +Storage +Carport + +Driveway + +Number of Parking Spaces +4 + +4 + +Detail +Detached +800 Sq. Ft. + +Concrete + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +None + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 13 of 26 +Page 13 of 26 + +Vehicle Storage (continued) + +Vehicle Storage Exhibits + +Carport - Driveway + +This is where the photo of the Carport and Driveway would display. + +Subject Property Amenities + +Amenity Category +Outdoor Accessories + +Outdoor Living + +Subject Property Amenity +Fence + +Irrigation System + +Balcony + +Balcony + +Patio + +Patio + +Material + +Detail + +Wood + +Wood + +Concrete + +Concrete + +80 Sq. Ft. + +80 Sq. Ft. + +80 Sq. Ft. + +80 Sq. Ft. + +Whole Home + +Multiple Zone HVAC + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +None + +Overall Quality and Condition + +Overall Quality + +Exterior Quality - Dwelling +Interior Quality - Unit A +Interior Quality - Unit B +Interior Quality - Unit C +Interior Quality - Unit D diff --git a/chunks/txt/0bbdc9de5e3c0ac87b0cd447d7dd68f485e8f72f0ffb82b37f2c9dc75e49eb99.txt b/chunks/txt/0bbdc9de5e3c0ac87b0cd447d7dd68f485e8f72f0ffb82b37f2c9dc75e49eb99.txt new file mode 100644 index 0000000000000000000000000000000000000000..af67cf07fce821300d6f95bb7e24f0d6d9232b04 --- /dev/null +++ b/chunks/txt/0bbdc9de5e3c0ac87b0cd447d7dd68f485e8f72f0ffb82b37f2c9dc75e49eb99.txt @@ -0,0 +1,26 @@ +19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and +information in this appraisal report are true and correct. + +20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any +agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a +predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or +occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). + +21. I personally prepared conclusions and opinions about the real estate that were set forth in this appraisal report. Andrew Appraiser +provided significant real property appraisal assistance in the development of this report. I certify that any individual so named is qualified to +perform the assistance. + +Appraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1) + +Uniform Residential Appraisal Report + +Page 21 of 21 +Page 21 of 21 + +Certifications (continued) + +22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is +unauthorized and I will take no responsibility for it. + +23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will +receive this appraisal report. diff --git a/chunks/txt/0bbde2bb9de1f0246351265a80f0ee76fd2f7a4be52c6a6005ce7a0f4553ed27.txt b/chunks/txt/0bbde2bb9de1f0246351265a80f0ee76fd2f7a4be52c6a6005ce7a0f4553ed27.txt new file mode 100644 index 0000000000000000000000000000000000000000..836d5f0fc4959eb7d6da0542a7e395503fa49b34 --- /dev/null +++ b/chunks/txt/0bbde2bb9de1f0246351265a80f0ee76fd2f7a4be52c6a6005ce7a0f4553ed27.txt @@ -0,0 +1,23 @@ +​​I strongly believe that robust risk management with respect to compensation practices is critical to promoting the safety and soundness of FHFA's regulated entities. For that reason, FHFA has joined the Federal Deposit Insurance Corporation (FDIC) and the Office of the Comptroller of the Currency... + - Statement + +March 7, 2024 + +## [Director Sandra Thompson's Statement on Title Acceptance Pilot](/news/statement/director-sandra-thompsons-statement-on-title-acceptance-pilot) + +​​For many aspiring and current homeowners, closing costs represent a substantial affordability barrier to purchasing or refinancing a home. The Federal Housing Finance Agency (FHFA) continues to focus on ways Fannie Mae and Freddie Mac (the Enterprises) can responsibly reduce closing costs for... + - Statement + +November 14, 2023 + +## [Director Sandra L. Thompson Statement on Fannie Mae Leadership Changes](/news/statement/director-sandra-l.-thompson-statement-on-fannie-mae-leadership-changes) + +Dave Benson and Jeff Hayward have each brought an enormous amount of leadership and technical expertise to Fannie Mae in their decades of service. Their many contributions have positioned Fannie Mae to excel in serving its mission of providing affordable and sustainable housing to creditworthy... + - Statement + +September 8, 2023 + +## [Director Sandra L. Thompson Statement on Departure of Freddie Mac CEO Michael DeVito](/news/statement/director-sandra-l.-thompson-statement-on-departure-of-freddie-mac-ceo-michael-devito) + +​​​​​Michael DeVito has brought more than 30 years of experience and leadership in mortgage finance to Freddie Mac. I am grateful for his commitment and dedication which has put the company in a stronger financial position while still providing broad access to credit for all creditworthy borrowers... + - Statement diff --git a/chunks/txt/0bbfec97586855715651623c8d823838f9ae811d79b2a5e96a4ca286f36c48f5.txt b/chunks/txt/0bbfec97586855715651623c8d823838f9ae811d79b2a5e96a4ca286f36c48f5.txt new file mode 100644 index 0000000000000000000000000000000000000000..2982997eefe780c4a3962a60e83c0ea54949f7c4 --- /dev/null +++ b/chunks/txt/0bbfec97586855715651623c8d823838f9ae811d79b2a5e96a4ca286f36c48f5.txt @@ -0,0 +1,32 @@ +The following table provides the requirements related to the home inspection. These requirements must be met for the lender to +exercise the rural high-needs value acceptance offer. + +✓ + +The lender must + +obtain a home inspection to determine the property condition. The inspection report must be retained in +the loan file and made available to Fannie Mae upon request. + +review the inspection report to verify the property condition. The content of the inspection report must be +sufficient for the lender to determine there are no defects, damages, or deficiencies that affect the +soundness or structural integrity of the improvement(s) and significant items of incomplete construction +or renovation. Any issues that compromise soundness or structural integrity must be repaired before loan +delivery. + +obtain an affidavit signed by the borrower(s) confirming that they received a copy of the property +inspection report, read the report, and were notified of any lender-required repairs. + +confirm that the purchase contract contains an inspection contingency that offers the borrower(s) enough +time to cancel the contract without penalty if they so choose, should the inspection reveal an issue with +the property. + +confirm that the inspector has liability insurance. + +use a professional inspector that meets the state license and education requirements for those states that +regulate inspectors. + +Note: In states that do not have inspector licenses, inspectors that are professionally accredited members +in good standing of a nationally recognized property inspection organization must be used. The national +organization must require education, testing, and adherence to a code of ethics and to standards of +practice. diff --git a/chunks/txt/0bc22233356b22648b5e918d7f27ccd27ae1785914345ce85969367a9c4c64d8.txt b/chunks/txt/0bc22233356b22648b5e918d7f27ccd27ae1785914345ce85969367a9c4c64d8.txt new file mode 100644 index 0000000000000000000000000000000000000000..d0ebf8516673fbbd590c8e2637b60a1376ba2d6e --- /dev/null +++ b/chunks/txt/0bc22233356b22648b5e918d7f27ccd27ae1785914345ce85969367a9c4c64d8.txt @@ -0,0 +1,78 @@ +Project Factors Commentary Additional commentary can be added here, if needed by Appraiser. + +Project Information Commentary + +The original use for the subject’s project was apartment rental units, up until the cooperative conversion. Additionally, the project offers office +space for use on the property. This office space is located within the project and has no impact to value/marketability. + +Appraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1) + +Uniform Residential Appraisal Report + +Page 11 of 18 +Page 11 of 18 + +Project Information (continued) + +Project Information Exhibits + +Common Amenity or Service – Inground Pool + +Common Amenity or Service – Theater + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +Listing Status +Pending + +Listing Type +MLS + +Listing ID +DC-687541 + +Start Date +07/23/2019 + +End Date +08/22/2019 + +DOM +30 + +Total DOM 30 + +Starting +List Price +$585,000 + +Current or +Final List Price +$585,000 + +Analysis of Subject Property Listing History The subject property was marketed on the local Multiple Listing Service for a total of 30 days +before accepting a contract offer; this time frame meets current market norms. No other recent listings of the subject were discovered during +my research. + +Sales Contract + +Is there a sales contract? +Was sales contract information analyzed? +Does this appear to be an arm’s length transaction? + +Yes No +  +  +  + +Contract Price +Contract Date +Transfer Terms +Personal Property Conveyed + +$585,000 +08/23/2019 +Typically Motivated +No diff --git a/chunks/txt/0bdf23ec427db0a4e947ebc90d79993189413fc8b6e83614ecfedce81bc4dffa.txt b/chunks/txt/0bdf23ec427db0a4e947ebc90d79993189413fc8b6e83614ecfedce81bc4dffa.txt new file mode 100644 index 0000000000000000000000000000000000000000..bd2684ee88d5f1029ac29455082fed2e94b751b3 --- /dev/null +++ b/chunks/txt/0bdf23ec427db0a4e947ebc90d79993189413fc8b6e83614ecfedce81bc4dffa.txt @@ -0,0 +1,153 @@ +The subject has impact resistant glass to protect from potential wind damage. + +false + +Utilize this subsection for additional commentary as required by USPAP. + +AsIs + +2019-10-05 + +120 + +90 + +ReasonableExposureTime + +195000 + +false + +12345HI + +false + +true + +AmericanNationalStandardsInstitute + +false + +false + +true + +URAR Delivery Specification v1.3 + +InteriorAndExterior + +AssignmentInformation + +2019-10-07 + +Corrected borrower name + +Site + +2019-10-12 + +Added comment in "Description of Zoning Compliance" at client request + +MYAPP + +Some Appraisal Creator + +11.2.1 + +Nowhere Technologies + +Random National Bank + +123456 Main St + +Nowhere + +98765 + +NE + +Lender + +Client + +Tom + +Appraiser + +98765 Holiday Hwy + +Surfside + +12345 + +HI + +Arthur Appraiser Appraisals + +TraineeAppraiser + +2021-12-31 + +1111TRHI + +HI + +Appraiser + +Arthur + +Appraiser + +98765 Holiday Hwy + +Surfside + +12345 + +HI + +Arthur Appraiser Appraisals + +AccreditedSeniorAppraiser + +CertifiedGeneral + +2021-12-31 + +987654HI + +HI + +AppraiserSupervisor + +Betty + +Borrower + +Borrower + +Sydney + +Seller + +PropertySeller + +PropertyOwner + +Valuation + +2019-10-12 + +2019-10-12 + +\\2-to4-unit_Appraisal_v1.3.pdf + +application/pdf + +3 + +AppraisalReport + +FNM_FRE + +September 2024 diff --git a/chunks/txt/0be2dc2011c97a0da26861b91f5cf6962c2c0283a47f8a2dd840dfd930c8306f.txt b/chunks/txt/0be2dc2011c97a0da26861b91f5cf6962c2c0283a47f8a2dd840dfd930c8306f.txt new file mode 100644 index 0000000000000000000000000000000000000000..9adfe016473acc40dad1596a2fd17e20e0808a3e --- /dev/null +++ b/chunks/txt/0be2dc2011c97a0da26861b91f5cf6962c2c0283a47f8a2dd840dfd930c8306f.txt @@ -0,0 +1,3 @@ +Overview ................................................................................................................................................................................................................................................ 358 + +Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 358 diff --git a/chunks/txt/0bee24f8c05b35611266f565806ac53bf910426942d202cb6df225f58140ab78.txt b/chunks/txt/0bee24f8c05b35611266f565806ac53bf910426942d202cb6df225f58140ab78.txt new file mode 100644 index 0000000000000000000000000000000000000000..7793d8ce4be4d4d59d7c5da4f560d1098ec9fd18 --- /dev/null +++ b/chunks/txt/0bee24f8c05b35611266f565806ac53bf910426942d202cb6df225f58140ab78.txt @@ -0,0 +1,79 @@ +DU Validation Service Message Parameters + +DU will implement business rules to update reason code parameters for DU validation service messages in the DU +Underwriting Findings Report. + +Integrated systems that receive and parse the following reason code parameter(s) of the following DU messages may need to be +updated to support these changes. + +NOTE: Integrated systems that receive and display the DU Underwriting Findings report TXT file, HTML and/or PDF files +should not be impacted since these files are for display purposes only and parsing is not supported. However, if your +integrated systems parse the HTML and/or TXT versions of the DU Underwriting Findings, your system may be impacted by +this release. These changes will apply to conventional loan casefiles submitted or resubmitted to DU on or after March 21, +2025, via Direct Integration and the User Interface (UI). + +Message +ID + +Name + +3307 + +DVS- +EMPLOYMENT- +NOT- +VALIDATED + +Message +Parameter +Status +Modified +(effective post +3/21 weekend) + +Reason Code Text + +Reason Code Trigger + +No Base, Bonus, Overtime, +Commission, or Military income +entered in DU + +This reason code will be returned +when no income types eligible for +validation are reported in the loan +application. + +© 2025 Fannie Mae 2.19.25 1 of 2 + +3307 + +3307 + +3307 + +DVS- +EMPLOYMENT- +NOT- +VALIDATED +DVS- +EMPLOYMENT- +NOT- +VALIDATED +DVS- +EMPLOYMENT- +NOT- +VALIDATED + +Release Support + +Modified +(effective post +3/21 weekend) + +No report received by DU that +validates this employment + +This reason code will be returned +when no verification report is received +that can validate the employment. diff --git a/chunks/txt/0bf7a4565e1e7dd6da67b5c408eeb299f6a4a122083e07fc4cb4f9f076509305.txt b/chunks/txt/0bf7a4565e1e7dd6da67b5c408eeb299f6a4a122083e07fc4cb4f9f076509305.txt new file mode 100644 index 0000000000000000000000000000000000000000..516e6b8a2792dcf04d36d570de4b1b24bdddb570 --- /dev/null +++ b/chunks/txt/0bf7a4565e1e7dd6da67b5c408eeb299f6a4a122083e07fc4cb4f9f076509305.txt @@ -0,0 +1 @@ +## Public Input diff --git a/chunks/txt/0bfc7014f2d33f967ec05f374d43593455bb512b81cd661825a7878d64945677.txt b/chunks/txt/0bfc7014f2d33f967ec05f374d43593455bb512b81cd661825a7878d64945677.txt new file mode 100644 index 0000000000000000000000000000000000000000..d115084791efcf0619b39d41b767ffdadfbcaeb9 --- /dev/null +++ b/chunks/txt/0bfc7014f2d33f967ec05f374d43593455bb512b81cd661825a7878d64945677.txt @@ -0,0 +1,7 @@ +The contents of these files are unaudited and are reported directly by the Federal Home Loan Banks to FHFA. Questions concerning the content of these files should be directed to the relevant Federal Home Loan Bank(s). + +**2024 FHLBank PUDB Data** [2024 C​SV](/document/2024-pudb.csv) [2024 Excel](/document/2024-pudb.xlsx) [2024 Definitions](/document/2024-pudb-definitions.pdf) + +#### FHLB Historical PUDB Data + +**​Year** **​Data** **​Definitions** 2023 [CSV](/document/2023-pudb.csv)/ [XLSX](/document/2023-pudb.xlsx) [PDF](/document/ama_pudb_definitions_2023.pdf) 2022 [CSV](/document/2022_pudb_export_123122.csv)/ [XLSX](/document/2022_pudb_export_123122.xlsx) [PDF](/document/ama_pudb_definitions_2022.pdf) ​2021 [​CSV](/document/2021_pudb_export_123121.csv) / [XLSX](/document/2021_pudb_export_123121.xlsx) [​PDF](/document/ama_pudb_definitions_2021.pdf) ​​2020 ​[CSV](/document/2020_pudb_export_123120.csv) / [XLSX](/document/2020_pudb_export_123120.xlsx)​ [PDF](/document/ama_pudb_definitions_2020.pdf)​ ​2019 [​CSV](/document/2019_pudb_export_123119.csv) / [XLSX](/document/2019_pudb_export_123119.xlsx) [​PDF](/document/ama_pudb_definitions_2019.pdf) ​2018 ​[CSV](/document/2018_pudb_export_123118.csv) / [XLSX](/document/2018_pudb_export_123118.xlsx) [​PDF](/document/ama_pudb_definitions_2018.pdf) ​2017 ​[CSV](/document/2017_pudb_export.csv) / [XLSX](/document/2017_pudb_export.xlsx) [PDF](/document/ama_pudb_definitions_2017.pdf) ​2016 [CSV](/document/2016_pudb_export_123116.csv) / [XLSX](/document/2016_pudb_export_123116.xlsx) ​ [PDF​](/document/ama_pudb_definitions_2016.pdf) ​2015 [CSV](/document/2015_pudb_export_123115.csv) / [XLSX](/document/2015_pudb_export_123115.xlsx) ​ [PDF​](/document/ama_pudb_definitions_123115.pdf) ​2014 [CSV](/document/ama_pudb_export_123114.csv) / [XLSX​](/document/ama_pudb_export_123114.xlsx) [PDF](/document/ama_pudb_definitions_123114.pdf)​ ​2013 [CSV](/document/ama_pudb_export_123113.csv) / [XLS](/document/ama_pudb_export_123113.xls)​ ​[PDF](/document/ama_pudb_definitions_123113.pdf) ​2012 [CSV](/document/ama_pudb_export_123112.csv) / [XLS​](/document/ama_pudb_export_123112.xls) ​[XLS](/document/ama_pudb_definitions_123112.xls) ​2011 [CSV](/document/ama_pudb_export_123111.csv) / [XLS](/document/ama_pudb_export_123111.xls)​ ​[XLS](/document/ama_pudb_definitions_123111.xls) ​2010 ​[CSV](/document/ama_pudb_export_123110.csv) / [XLS](/document/ama_pudb_export_123110.xls) ​[XLS](/document/ama_pudb_definitions_123110.xls) ​2009 ​[CSV](/document/ama_pudb_export_123109.csv) / [XLS](/document/ama_pudb_export_123109.xls) ​ diff --git a/chunks/txt/0c00eaef1124218755db84765e122172dc570b30173abbd750d907c1771f1092.txt b/chunks/txt/0c00eaef1124218755db84765e122172dc570b30173abbd750d907c1771f1092.txt new file mode 100644 index 0000000000000000000000000000000000000000..70feda13d97c353731d85f6177462ae9706cbcd9 --- /dev/null +++ b/chunks/txt/0c00eaef1124218755db84765e122172dc570b30173abbd750d907c1771f1092.txt @@ -0,0 +1,153 @@ +/ + +> +H +P +G +< +3 +2 +0 +. +1 +1 +E +S +8 +2 +N +E + +Federal Register / Vol. 76, No. 188 / Wednesday, September 28, 2011 / Notices + +60045 + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +1 +N +V +T +P +S +5 +K +S +D +n +o + +s +t +r +e +b +o +r +s + +VerDate Mar<15>2010 20:56 Sep 27, 2011 Jkt 223001 PO 00000 Frm 00049 Fmt 4703 Sfmt 4725 E:\FR\FM\28SEN1.SGM 28SEN1 + +/ + +> +H +P +G +< +4 +2 +0 +. +1 +1 +E +S +8 +2 +N +E + +60046 + +Federal Register / Vol. 76, No. 188 / Wednesday, September 28, 2011 / Notices + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +1 +N +V +T +P +S +5 +K +S +D +n +o + +s +t +r +e +b +o +r +s + +[FR Doc. 2011–24791 Filed 9–27–11; 8:45 am] + +BILLING CODE 8070–01–C + +VerDate Mar<15>2010 20:56 Sep 27, 2011 Jkt 223001 PO 00000 Frm 00050 Fmt 4703 Sfmt 4703 E:\FR\FM\28SEN1.SGM 28SEN1 + +/ + +> +H +P +G +< +5 +2 +0 +. +1 +1 +E +S +8 +2 +N +E diff --git a/chunks/txt/0c03291d153b22c5208ed5565617604b2536fed432edda1d66f7d8c4f57f6d6a.txt b/chunks/txt/0c03291d153b22c5208ed5565617604b2536fed432edda1d66f7d8c4f57f6d6a.txt new file mode 100644 index 0000000000000000000000000000000000000000..2f7d3afb234674bbf8a3f57f9d14fac07ba3a779 --- /dev/null +++ b/chunks/txt/0c03291d153b22c5208ed5565617604b2536fed432edda1d66f7d8c4f57f6d6a.txt @@ -0,0 +1,39 @@ +Either all of fields 1-158, 1-159, 1-160, +1-161, 1-162, 1-163 (Development +Stage Type = 'Complete') or all of fields +1-164, 1-165, 1-166, 1-167, 1-168, 1- +169 (Development Stage Type = +'Incomplete') should be populated. One +and only one of these two sets of fields +should be populated, and the other set +of fields should be left blank. + +Either all of fields 1-158, 1-159, 1-160, +1-161, 1-162, 1-163 (Development +Stage Type = 'Complete') or all of fields +1-164, 1-165, 1-166, 1-167, 1-168, 1- +169 (Development Stage Type = +'Incomplete') should be populated. One +and only one of these two sets of fields +should be populated, and the other set +of fields should be left blank. + +Either all of fields 1-158, 1-159, 1-160, +1-161, 1-162, 1-163 (Development +Stage Type = 'Complete') or all of fields +1-164, 1-165, 1-166, 1-167, 1-168, 1- +169 (Development Stage Type = +'Incomplete') should be populated. One +and only one of these two sets of fields +should be populated, and the other set +of fields should be left blank. + +Either all of fields 1-158, 1-159, 1-160, +1-161, 1-162, 1-163 (Development +Stage Type = 'Complete') or all of fields +1-164, 1-165, 1-166, 1-167, 1-168, 1- +169 (Development Stage Type = +'Incomplete') should be populated. One +and only one of these two sets of fields +should be populated, and the other set +of fields should be left blank. diff --git a/chunks/txt/0c137be8eebf410ba7e61b5a8e40de94e11885e01b9715e845c91d158eabb5f8.txt b/chunks/txt/0c137be8eebf410ba7e61b5a8e40de94e11885e01b9715e845c91d158eabb5f8.txt new file mode 100644 index 0000000000000000000000000000000000000000..1ea446782dbcfbc2cbe386f93864fe268992d130 --- /dev/null +++ b/chunks/txt/0c137be8eebf410ba7e61b5a8e40de94e11885e01b9715e845c91d158eabb5f8.txt @@ -0,0 +1,33 @@ +##### Release Notes + +- [2024 EarlyCheck Release Notes](/media/document/pdf/earlycheck-release-notes-2024) +- [2023 EarlyCheck Release Notes](/media/document/pdf/earlycheck-release-notes-2023) + +##### Data Standards File Format Specification (Loan Application) + +- [DU Specification](/media/document/xlsx/du-specification) + +##### Data Standards File Format Specification (Loan Delivery) + +- [ULDD Specification (Excel)](/media/document/xlsx/uldd-specification-appendix-d) + - [ULDD Specification (PDF)](/media/document/pdf/uldd-implementation-guide-appendix-a) + +##### Test Cases (Loan Application) + +- [DU Specification Test Case Suite](/media/document/zip/du-specification-test-case-suite) + +##### Test Cases (Loan Delivery) + +- [ULDD Phase 3 Integration Test Cases](https://singlefamily.fanniemae.com/learning-center/delivering/uniform-loan-delivery-dataset-uldd/appendix-c-xml-samples?utm_source=sfmc&utm_medium=email&utm_campaign=10965074&utm_term=5132820&utm_content=43147116&sfmc_id=1130701499) + +Loan Servicing Data Utility (LSDU) + +##### Release Notes + +- [Master Servicing Release | July 30, 2020](https://singlefamily.fanniemae.com/media/document/pdf/master-servicing-release-notes-july-30-2020?_ga=2.56952238.580392857.1611582294-1622733362.1578343793) + - [Master Servicing release notes](https://fm.fanniemae.com/lsdu/pdf/master-servicing-payment-deferral-release-notes.pdf) + - [3.2 release notes](https://fm.fanniemae.com/lsdu/pdf/lsdu-release-notes-3-2.pdf) + - [3.0 release notes](https://fm.fanniemae.com/lsdu/pdf/lsdu-release-notes-3-0.pdf) + - [2.2 release notes](https://fm.fanniemae.com/lsdu/pdf/lsdu-release-notes-2-2.pdf) + - [2.1 release notes](https://fm.fanniemae.com/lsdu/pdf/lsdu-release-notes-2-1.pdf) + - [2.0 release notes](https://fm.fanniemae.com/lsdu/pdf/lsdu-release-notes-2-0.pdf) diff --git a/chunks/txt/0c248d5c239b80a841153821d08c91280223e9fbb11234ddcef3c6eef8ac75bf.txt b/chunks/txt/0c248d5c239b80a841153821d08c91280223e9fbb11234ddcef3c6eef8ac75bf.txt new file mode 100644 index 0000000000000000000000000000000000000000..2d0662a2496c0dd333c4fe48c23cabc8761a349d --- /dev/null +++ b/chunks/txt/0c248d5c239b80a841153821d08c91280223e9fbb11234ddcef3c6eef8ac75bf.txt @@ -0,0 +1,46 @@ +--- +title: "Technology Integration Resources | Fannie Mae" +source_url: "https://singlefamily.fanniemae.com/technology-integration/technology-integration-resources" +date_accessed: "2026-01-27T18:02:16.915Z" +selector: ".layout.masthead-custom.js-layout-exists.rag-highlight-border" +parent_folder: "APPRAISAL_DATASET" +capture_name: "Technology_Integration_Resources___Fannie_Mae" +--- + +### Products + +Browse our list of technical integration resources to learn more about how to stay current, compliant, and future-forward. + +### + +Collateral Underwriter + +##### Release Notes + +- [CU V. 5.4 Release Notes | April 19, 2022](https://singlefamily.fanniemae.com/media/document/pdf/cu-v-54-release-notes-april-19-2022) + - [CU V. 5.3 Release Notes | Feb. 11, 2022](https://singlefamily.fanniemae.com/media/document/pdf/cu-v-53-release-notes-feb-11-2022) + +Desktop Underwriter + +##### Release Notes + +- [DU for Government Loans Release | Jan. 24, 2026](/media/document/pdf/du-government-loans-release-jan-24-2026) +- [DU for Government Loans Release | Nov. 15, 2025](/media/document/pdf/du-government-loans-release-nov-15-2025) +- [DU V. 12.0 Release | Nov. 15, 2025](/media/document/pdf/du-v-120-release-nov-15-2025) +- [DU V. 12.0 Release | Sept. 27, 2025](/media/document/pdf/du-v-120-release-sept-27-2025) +- [DU V. 12.0 Release | July 19, 2025](/media/document/pdf/du-v-120-release-july-19-2025) +- [DU V. 12.0 Release | May 17, 2025](/media/document/pdf/du-v-120-release-may-17-2025) +- [DU for Government Loans Release | Jan. 25, 2025](/media/document/pdf/du-government-loans-release-jan-25-2025) +- [DU V. 12.0 Release | Jan. 11, 2025](/media/document/pdf/du-v-120-release-january-11-2025) +- [DU V. 11.1 Release | August 17, 2024](/media/document/pdf/du-v-111-release-august-17-2024) +- [DU V. 11.1 Release | July 20, 2024](/media/document/pdf/du-v-111-release-july-20-2024) +- [DU for Government Loans Release | Jan. 20, 2024](/media/document/pdf/du-government-loans-release-jan-20-2024) +- [DU V. 11. 1 Release | Feb. 10, 2024](/media/document/pdf/du-v-111-release-feb-10-2024) +- [DU V. 11.1 Release I Nov. 18, 2023](/media/document/pdf/du-v-111-release-nov18-2023) +- [DU V. 11.1 Release I Aug. 19, 2023](/media/document/pdf/du-v-111-release-aug-19-2023) +- [DU V. 11.1 Release | April 15, 2023](/media/document/pdf/du-v-111-release-april-15-2023) +- [DU for Government Loans Release | Apr. 15, 2023](/media/document/pdf/du-government-loans-release-apr-15-2023) +- [DU V. 11.1 Release | Feb. 25, 2023](/media/document/pdf/du-v-111-release-february-25-2023) +- [DU for Government Loans Release | Jan. 21, 2023](https://singlefamily.fanniemae.com/media/document/pdf/du-government-loans-release-jan-21-2023) +- [DU for Government Loans Release | Nov. 19, 2022](/media/document/pdf/du-government-loan-release-nov-19-2022) +- [DU Validation Service April Release Notes | April 17, 2021](/media/document/pdf/desktop-underwriter-validation-service-april-release-notes-april-17-2021) diff --git a/chunks/txt/0c280cdd266fefec186c4b0fd687265246f4bb0c5851334f9f7a386f3345f7cf.txt b/chunks/txt/0c280cdd266fefec186c4b0fd687265246f4bb0c5851334f9f7a386f3345f7cf.txt new file mode 100644 index 0000000000000000000000000000000000000000..641fa75405eb3b7a68d5f1bcd996a49fd57e310e --- /dev/null +++ b/chunks/txt/0c280cdd266fefec186c4b0fd687265246f4bb0c5851334f9f7a386f3345f7cf.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [Mortgage Translations](/mortgage-translations) + - COVID-19 Resources + +# COVID-19 Resources + +FHFA has been working closely with its regulated entities - Fannie Mae and Freddie Mac - and collaborating with the housing industry to provide guidance and resources for those who are facing unprecedented challenges from the COVID-19 pandemic. It has never been more important for trusted advisors to be able to communicate with those looking for clarity and options. ​​​ diff --git a/chunks/txt/0c37c1da285e1b84b40aa2d923abc065d6d831bc904cb5efb84a2c514ad2f7ac.txt b/chunks/txt/0c37c1da285e1b84b40aa2d923abc065d6d831bc904cb5efb84a2c514ad2f7ac.txt new file mode 100644 index 0000000000000000000000000000000000000000..d160ec9274662d13dfb6ada8b489a42b8a500f35 --- /dev/null +++ b/chunks/txt/0c37c1da285e1b84b40aa2d923abc065d6d831bc904cb5efb84a2c514ad2f7ac.txt @@ -0,0 +1,7 @@ +If you have questions about the integration impact memo or if you require support specific to this update, contact your +Technology Integration Analyst or Integration Support. For more information about DU, visit the DU page or contact your Fannie +Mae Representative. + +© 2021 Fannie Mae 08.20.21 + +6 of 6 diff --git a/chunks/txt/0c40d2280a92bdb1f036e85c447e1ce9cf5f9eaf8a48b4b7b0174b25aa64fcd9.txt b/chunks/txt/0c40d2280a92bdb1f036e85c447e1ce9cf5f9eaf8a48b4b7b0174b25aa64fcd9.txt new file mode 100644 index 0000000000000000000000000000000000000000..aed5c4e6038bd68b5d93296d60f5721420dd9b15 --- /dev/null +++ b/chunks/txt/0c40d2280a92bdb1f036e85c447e1ce9cf5f9eaf8a48b4b7b0174b25aa64fcd9.txt @@ -0,0 +1,36 @@ +The data associated with the subject property and each comparable property used in the valuation process must be provided in an +individual occurrence of the PROPERTY container. ValuationUseType attribute must be populated for each occurrence of the PROPERTY +container to indicate if the referenced property is the subject property or a comparable. Please refer to the ValuationUseType Attribute +section for more details on this attribute. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 35 + +IMPROVEMENTS/IMPROVEMENT Element in MISMO + +• The data associated with each structure on the property must be provided in an individual occurrence of the IMPROVEMENT + +container. + +• For each instance of the IMPROVEMENT container, IMPROVEMENT/IMPROVEMENT_DETAIL/ImprovementType must be provided to + +classify the structure on the property as either a dwelling or an outbuilding. + +• For each outbuilding on the property, IMPROVEMENT/IMPROVEMENT_DETAIL/OutbuildingType must be provided to identify the + +type of the outbuilding on the property. + +E.g., a 2- to 4-unit property with 2 dwellings and 2 outbuildings must have 4 occurrences of the IMPROVEMENT container, two +instances classified as IMPROVEMENT/IMPROVEMENT_DETAIL/ImprovementType = “Dwelling”, and the other two classified as +IMPROVEMENT/IMPROVEMENT_DETAIL/ImprovementType = “Outbuilding”. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 36 + +Appendix B-1: URAR Implementation Guide v1.3 + +PROPERTY_UNITS/PROPERTY_UNIT Element in MISMO + +• The data associated with each living unit in a dwelling must be provided in an individual occurrence of the PROPERTY_UNIT diff --git a/chunks/txt/0c57c2523f353a630c3117134268637658cb1ca9a01e8064b775b7cc4ead3128.txt b/chunks/txt/0c57c2523f353a630c3117134268637658cb1ca9a01e8064b775b7cc4ead3128.txt new file mode 100644 index 0000000000000000000000000000000000000000..ad366bcac06458bede5c229348ad8c4a786bb723 --- /dev/null +++ b/chunks/txt/0c57c2523f353a630c3117134268637658cb1ca9a01e8064b775b7cc4ead3128.txt @@ -0,0 +1,55 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_LOCATION_OVERALL_RATING_EXTENSION/COMPARISON_LOCATIO +N_OVERALL_RATING_EXTENSION_SECTION[@ExtensionSectionOrganiza +tionName='UNIFORM APPRAISAL +DATASET']/COMPARISON_LOCATION_OVERALL_RATING_EXTENSION +_SECTION_DATA/COMPARISON_LOCATION_OVERALL_RATING/@GSE +OverallLocationRatingType + +5 + +3 + +10 + +10 + +String + +Boolean + +Money + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +This field must indicate the month and year of the event indicated by field e-29. No +intent to collect time or day in this field. If the value of field e-29 is 'SettledSale', then +the second instance of this field must indicate the month and year of the contract date. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +Data Format: +mm/yy + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +For settled sales, this field indicates whether or not the contract date is unknown ('Y' +indicates unknown, 'N' indicates known). + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +The allowable values are listed below. When representing these values in the XML file, +they must be shown exactly as they appear below: + +This field is required if the value of field e- +29 (GSE Listing Status Type) is not 'Active'. +If the value of field e-29 is 'SettledSale' and +the value of field e-31 is 'N', then a second +instance is required. diff --git a/chunks/txt/0c57e524f3d63900e7141bddb6cdb8a1a75c2f3a82c84897268fe99bddb01a4d.txt b/chunks/txt/0c57e524f3d63900e7141bddb6cdb8a1a75c2f3a82c84897268fe99bddb01a4d.txt new file mode 100644 index 0000000000000000000000000000000000000000..4255dc05627d5879cc6dca9964985aa5dab80fae --- /dev/null +++ b/chunks/txt/0c57e524f3d63900e7141bddb6cdb8a1a75c2f3a82c84897268fe99bddb01a4d.txt @@ -0,0 +1,99 @@ +Appendix B-1: URAR Implementation Guide v1.3 + +Report +Field ID + +17.019 + +Report Label + +Unique ID MISMO Data Point Name + +Display Rules + +Price Trend Analysis +Commentary + +3000.0040 + +PriceTrendsAnalysisDescription + +Displays when ImageCategoryType <> "PriceTrendGraph" OR Exists + +Page 239 + +Figure 17 - 6 + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 17 - 7 + +Page 240 + +Housing Trends + +The Housing Trends subsection always displays. + +Report +Field ID + +Report Label + +Unique ID + +MISMO Data Point Name + +Display Rules + +17.021 + +Demand/Supply + +3000.0033 + +MarketSupplyTrendType + +17.022 + +Marketing Time + +3000.0031 + +MarketingTimeType + +Always displays + +Always displays + +Figure 17 - 8 + +Appendix B-1: URAR Implementation Guide v1.3 + +Market Commentary + +The Market Commentary subsection displays only when comments are provided. Any comments must use ValuationCommentText (UID: +0100.0044, FID: 17.023) and ValuationAnalysisCategoryType (UID: 0100.0045, FID: 17.023) = “Market”. + +Market Exhibits + +The Market Exhibits subsection displays when images/graphs are provided. All text must display above the image in bold font. + +Graphs + +Any graph included in Market Exhibits should include ImageCategoryType (UID: 1400.0638, FID: 17.017.1) followed by the appropriate +enumeration. (Figure 17 - 9) + +Page 241 + +− AbsorptionRateGraph +− MedianDaysOnMarketGraph +− PercentOfDistressedSalesGraph +− PriceTrendGraph +− YearBuiltOfSalesGraph + +Above the image, the ImageCategoryType displays in bold font followed by ImageCaptionCommentDescription (UID: 1400.0640, FID: +17.017.2), when provided. + +Figure 17 - 9 + +Appendix B-1: URAR Implementation Guide v1.3 diff --git a/chunks/txt/0c5c913f2b79685d3d65eccf67db53a0a8bf240cede49ed07422704fa6995639.txt b/chunks/txt/0c5c913f2b79685d3d65eccf67db53a0a8bf240cede49ed07422704fa6995639.txt new file mode 100644 index 0000000000000000000000000000000000000000..d3b9062ca27c7358d0084db07d1554790292d439 --- /dev/null +++ b/chunks/txt/0c5c913f2b79685d3d65eccf67db53a0a8bf240cede49ed07422704fa6995639.txt @@ -0,0 +1,17 @@ +[March 4, 2021 Listening Session Transcript](/document/natural-disasterrisk-listening-session-transcript.pdf) + +[March 4, 2021 Listening Session Presentations](/document/combinedlistening-sessions-presentations) + +## **Statements, Remarks, and External Engagements** + +Sandra L. Thompson, Director of FHFA, participated in an [armchair chat](https://content.naic.org/events/international-insurance-forum) on May 16, 2024 at the National Association of Insurance Commissioners’ International Insurance Forum on addressing climate risk and property insurance. + +Sandra L. Thompson, Director of FHFA, [testified](https://www.banking.senate.gov/imo/media/doc/thompson_4-18-24.pdf) before the U.S Senate Committee on Banking, Housing, and Urban Affairs, addressing climate risk and property insurance Impacts on April 18, 2024. + +Daniel E. Coates, Executive Sponsor of the Climate Change and ESG Working Groups at FHFA, discussed FHFA and its regulated entities’ actions to address climate change in an interview with The Economist on March 27, 2024. + +Daniel E. Coates, Executive Sponsor of the Climate Change and ESG Working Groups at FHFA, delivered closing remarks addressing climate change at the joint GSE Climate Risk Forum held on March 20 and 21, 2024 at the Freddie Mac Headquarters. + +Daniel E. Coates, Executive Sponsor of the Climate Change and ESG Working Groups at FHFA, delivered remarks on FHFA and its regulated entities’ actions to address climate-related risk during the Ceres webinar, Charting Progress: Regulator Actions on Climate Financial Risks, on December 18, 2023. + +Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, discussed the impact of climate change on the housing finance sector at the Insurance Information Institute (III) Town Hall held on November 30, 2023. diff --git a/chunks/txt/0c6d8344f6ab43f9cc1da4db3d6eb38d4d2bae3956804554b030981a03960ed6.txt b/chunks/txt/0c6d8344f6ab43f9cc1da4db3d6eb38d4d2bae3956804554b030981a03960ed6.txt new file mode 100644 index 0000000000000000000000000000000000000000..bf347a53f5005b9b328ab35c463184fc8d2a52ab --- /dev/null +++ b/chunks/txt/0c6d8344f6ab43f9cc1da4db3d6eb38d4d2bae3956804554b030981a03960ed6.txt @@ -0,0 +1,23 @@ +Prior to the Housing and Economic Recovery Act of 2008 (HERA), the Department of Housing and Urban Development (HUD) was responsible for the underserved areas data. HERA transferred that task to the Federal Housing Finance Agency. The former Geographically Targeted Goal ("Central Cities, Rural Areas, and Other Underserved Areas Housing Goal"), similar to the Low-Income Areas goal, was intended to achieve increased purchases by the Enterprises of mortgages financing housing in areas that are underserved in terms of mortgage credit. + +**Year** **Format/Link** Dictionary 2009 [[ZIP]](/sites/default/files/2023-10/serv2009.zip) [[PDF]](/sites/default/files/2023-10/UA_README_2009.pdf) 2008 and before Available via [HUD User Portal](https://archives.huduser.gov/portal/datasets/gse.html)​​ + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/0c7810dd9f65e5ae784ba8b7b55e5b196ae9515a63464682c6df67ed171712e5.txt b/chunks/txt/0c7810dd9f65e5ae784ba8b7b55e5b196ae9515a63464682c6df67ed171712e5.txt new file mode 100644 index 0000000000000000000000000000000000000000..f5be509434f28b58370a940667807a3523c9a7ca --- /dev/null +++ b/chunks/txt/0c7810dd9f65e5ae784ba8b7b55e5b196ae9515a63464682c6df67ed171712e5.txt @@ -0,0 +1,299 @@ +Other + +Adjacent to Living Room + +None + +\\Images\Condo1_AmenityDefect.jpg + +image/jpeg + +None + +0 + +Attached + +1 + +Additional commentary can be added here, if needed by Appraiser. + +false + +1 + +false + +false + +C3 + +Q4 + +true + +true + +FeeSimple + +true + +false + +true + +false + +false + +false + +HybridAppraisal + +false + +2017-07-10 + +700000 + +Sale + +TypicallyMotivated + +None + +true + +true + +true + +true + +true + +Asphalt + +Local + +true + +PublicStreet + +true + +true + +false + +Exotic trees and premium shrubs are sited along the foundation of the building. + +Landscaping + +Neutral + +Subject is surrounded by other similar, mid-rise apartment buildings. + +Bordering + +Residential + +Neutral + +Public + +Electricity + +Public + +Gas + +Public + +SanitarySewer + +Public + +Water + +Neutral + +true + +Full + +Residential + +Mid-rise Condominium; 12 units per acre average + +Lar4 + +Legal + +201 Underhill Dr + +Unit + +204 + +Nowhere + +90021 + +CA + +ParkingGarage + +2 + +Owned + +0 + +ContractDate + +0 + +SaleDate + +0 + +FinancingMethod + +778000 + +South + +Most + +false + +true + +712 + +1 + +0.01 + +0 + +true + +604 + +Monthly + +AssociationDues + +AssociationSpecialAssessment + +Existing + +true + +Dwelling + +1973 + +false + +Quality carpeting + +Flooring + +SignificantlyUpdated + +1092 + +0 + +false + +2 + +false + +2 + +2 + +0 + +C3 + +Q4 + +Decorative tiling and finishes + +FullyUpdated + +Quality components + +Kitchen + +FullyUpdated + +Midrise + +1 + +Centralized + +ForcedWarmAir + +PropertyPhoto + +2019-09-05T22:30:34Z + +\\Images\Condo1_SubjectFront.png + +image/png + +40 + +778000 + +SettledSale + +25.165172 + +-51.328126 + +Eastwood + +BuiltInPool + +IngroundSpa + +UnitStorage + +Condominium + +The MI5 + +Balcony + +OutdoorLiving + +1 + +IndoorFireplace + +WholeHome + +0 + +Attached + +1 + +false + +1 + +C3 + +Q4 + +false diff --git a/chunks/txt/0c8629b43e888d82082c7e3417ad64bab2be9487e34ce9838edcf4e04217696f.txt b/chunks/txt/0c8629b43e888d82082c7e3417ad64bab2be9487e34ce9838edcf4e04217696f.txt new file mode 100644 index 0000000000000000000000000000000000000000..1cab6eec223963a0494644f97f784cfdc86634b8 --- /dev/null +++ b/chunks/txt/0c8629b43e888d82082c7e3417ad64bab2be9487e34ce9838edcf4e04217696f.txt @@ -0,0 +1,129 @@ +Grantor + +HazardInsuranceAgent + +HazardInsuranceCompany + +Investor + +LawFirm + +Lender + +LenderBranch + +LienHolder + +LoanDeliveryFilePreparer + +LoanOriginationCompany + +LENDER + +LIEN_HOLDER + +LoanOriginator + +LOAN_ORIGINATOR + +LoanSeller + +LossPayee + +MERS + +MICompany + +LOSS_PAYEE + +ServicerPaymentCollection + +ServicingTransferee + +ServicingTransferor + +Spouse + +SERVICING_TRANSFEROR + +SubmittingParty + +SUBMITTING_PARTY + +Subservicer + +TaxableParty + +TaxServicer + +ThirdPartyInvestor + +ThirdPartyOriginator + +TitleCompany + +TitleHolder + +Trust + +TrustBeneficiary + +Trustee + +TrustGrantor + +TRUST + +TRUSTEE + +MortgageBroker + +MORTGAGE_BROKER + +WarehouseLender + +Witness + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 50 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +For those PartyRoleTypes without a corresponding detailed ROLE container, a rich set +of data is still available: + +Classification as an individual or organization (legal entity) + + Name + + Address + + + +Identifier + + Taxpayer Identifier + +However, if business partners need to exchange more detailed information about a +given Party, the value of PartyRoleType must match the selected detailed ROLE +container, as illustrated in Example V-11, below. Here, LoanOriginator is the value of +PartyRoleType. This enables the use of the LOAN_ORIGINATOR container if needed. + +Example IV - 11. Relationship between PartyRoleType and ROLE Container + +PARTIES + +PARTY + +ROLES + +PARTY_ROLE_ +IDENTIFIER + +PARTY_ROLE_IDENTIFIERS + +PartyRoleIdentifier + diff --git a/chunks/txt/0c921355142bfa5ce095f3050978db8f0f842c82e49ce608784009a1d29df268.txt b/chunks/txt/0c921355142bfa5ce095f3050978db8f0f842c82e49ce608784009a1d29df268.txt new file mode 100644 index 0000000000000000000000000000000000000000..953262a90eda55a23fa661a08b0c7291dde3e174 --- /dev/null +++ b/chunks/txt/0c921355142bfa5ce095f3050978db8f0f842c82e49ce608784009a1d29df268.txt @@ -0,0 +1,3 @@ +Overview ................................................................................................................................................................................................................................................ 268 + +Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 269 diff --git a/chunks/txt/0ca59d8d6ced3d55440c7ddce6a657b378e3c893def93a1da1bd3ecf89cf01b7.txt b/chunks/txt/0ca59d8d6ced3d55440c7ddce6a657b378e3c893def93a1da1bd3ecf89cf01b7.txt new file mode 100644 index 0000000000000000000000000000000000000000..5d45098c10a9286ac0f2b9641cd833adc5f79e4c --- /dev/null +++ b/chunks/txt/0ca59d8d6ced3d55440c7ddce6a657b378e3c893def93a1da1bd3ecf89cf01b7.txt @@ -0,0 +1,161 @@ +Uniform Residential Appraisal Report + +Page 14 of 22 +Page 14 of 22 + +Sales Comparison Approach (continued) + +Subject Property +201 Underhill Dr, Unit 202 +Nowhere, CA 90021 + +Comparable #1 + +201 Underhill Dr, Unit 204 +Nowhere, CA 90021 + +Comparable #2 +1633 Hundred Ave, Unit 801 +Nowhere, CA 90021 + +Comparable #3 +1639 Town St, Unit 333 +Nowhere, CA 90021 + +Balcony + +Balcony + +Indoor Fireplace - 1 + +Indoor +Fireplace - 1 + +Balcony + +Indoor +Fireplace - 1 + +Balcony + +Indoor +Fireplace - 1 + +Property Address + +Property Amenities + +Outdoor Living + +Whole Home + +Vehicle Storage + +Type | Spaces | Details + +Parking Garage | 2 | Owned + +Parking Garage | 2 | Owned + +$30,000 + +Common Carport | +2 | Unassigned + +Parking Garage | 2 | Owned + +Summary + +List Price + +Sale Price + +Net Adjustment Total + +Price Per Finished Area +Above Grade + +Adjusted Price + +Comparable Weight + +— + +$778,000 + +$778,000 + +$0 + +$712 + +$778,000 + +Most + +$790,000 + +$794,000 + +$25,000 + +$678 + +$819,000 + +Less + +$768,000 + +$765,000 + +$(10,000) + +$712 + +$755,000 + +Less + +Indicated Value by Sales Comparison Approach + +Indicated Value + +$778,000 + +Appraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1) + +Uniform Residential Appraisal Report + +Page 15 of 22 +Page 15 of 22 + +Sales Comparison Approach (continued) + +General Information + +Property Address + +Subject Property + +Comparable #4 + +201 Underhill Dr, Unit 202 +Nowhere, CA 90021 + +33 Franks Way, Unit 382 +Nowhere, CA 90021 + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Sale Price + +Financing Type + +Sales Concessions diff --git a/chunks/txt/0cad9ec8f0e307a5359a56404a416813ffabb0a492ac385a9892483747b0f56b.txt b/chunks/txt/0cad9ec8f0e307a5359a56404a416813ffabb0a492ac385a9892483747b0f56b.txt new file mode 100644 index 0000000000000000000000000000000000000000..cfe391c2ac952f9df968d0bc08683f9c08317b15 --- /dev/null +++ b/chunks/txt/0cad9ec8f0e307a5359a56404a416813ffabb0a492ac385a9892483747b0f56b.txt @@ -0,0 +1,4 @@ +Description Format Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2025 and (b) Originated after 10/1/2011 or Prior to 7/1/2007​ [[XLSX]](/document/fullcountyloanlimitlist2025_hera-based_final_flat.xlsx), [[CSV]](/document/data/fullcountyloanlimitlist2025_hera-based_final_flat.csv) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2024 and (b) Originated after 10/1/2011 or Prior to 7/1/2007​ [[XLSX]](/document/fullcountyloanlimitlist2024_hera-based_final_flat.xlsx), [[CSV]](/document/fullcountyloanlimitlist2024_hera-based_final_flat.csv) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2023 and (b) Originated after 10/1/2011 or Prior to 7/1/2007​ [[XLSX]](/sites/default/files/2024-07/FullCountyLoanLimitList2023_HERA-BASED_FINAL_FLAT%20%281%29.xlsx) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2022 and (b) Originated after 10/1/2011 or Prior to 7/1/2007​ [[XLSX]](/document/fullcountyloanlimitlist2022_hera-based_final_flat.xlsx) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2021 and (b) Originated after 9/30/2011 or Prior to 7/1/2007​ [[XLSX]](/media/28996) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2020 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 [[XLSX]​](/media/28666) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2019 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 [[XLSX]](/media/28291) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2018 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 [[XLSX]](/media/27911) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2017 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 [[XLSX]](/media/27536) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2016 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 [[XLSX]](/media/27196) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2015 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 ​[[XLSX]](/media/26936) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2014 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 ​[[XLS]](/media/26571) ​Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2013 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 [[XLS]](/media/26576) ​Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2012 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 [[XLS]](/media/26841) Maximum Loan Limits for Loans (a) Acquired in Calendar Year 2011 and (b) Originated after 9/30/2011 or Prior to 7/1/2007 [[XLS]](/media/26836) Maximum Loan Limits for Loans Originated between 10/1/2010 and 9/30/2011 +(Same as Limits for 1/1/10-9/30/10 Originations) [[XLS]](/media/26821) Maximum Loan Limits for 2010-Originated Mortgages +(Same as Limits for 2009 Originations in all Areas; Set under PL111-88) [[XLS]](/media/26831) ​Maximum Loan Limits for Mortgages Originated in 2009 +(American Recovery and Reinvestment Act-Limits) [[XLS]](/document/fullcountyloanlimitlist2009_arra.xls) Maximum Loan Limits for Mortgages Originated between July 1, 2007 and December 31, 2008 (Economic Stimulus Act of 2008 Limits) [[PDF]](/sites/default/files/2023-10/AREA_LIST_5_2008.pdf) ## Related Links diff --git a/chunks/txt/0cb30212c0c392d820ccc898a20b4fc1bf3d7ba9cf05cbc48535c5c63cc0ca19.txt b/chunks/txt/0cb30212c0c392d820ccc898a20b4fc1bf3d7ba9cf05cbc48535c5c63cc0ca19.txt new file mode 100644 index 0000000000000000000000000000000000000000..b6fd569d3a9098ad98277f10a851af63e000c0b5 --- /dev/null +++ b/chunks/txt/0cb30212c0c392d820ccc898a20b4fc1bf3d7ba9cf05cbc48535c5c63cc0ca19.txt @@ -0,0 +1,331 @@ +2 + +0.06 + +40540 + +true + +HERS + +61 + +true + +Dwelling + +2004 + +false + +Flooring + +NotUpdated + +66 + +2804 + +1200 + +false + +4 + +2 + +2 + +C4 + +Q4 + +Kitchen + +NotUpdated + +Colonial + +Vinyl + +ExteriorWallsAndTrim + +Composition + +Roof + +C4 + +Q4 + +1 + +Centralized + +NaturalGas + +ForcedWarmAir + +PropertyPhoto + +\\Images\SF1_Comp2.png + +image/png + +6 + +449900 + +SettledSale + +25.165171 + +-51.328127 + +Sunnyside + +Patio + +Porch + +OutdoorLiving + +0 + +Detached + +1 + +true + +1 + +C4 + +Q4 + +false + +true + +FeeSimple + +false + +false + +true + +true + +2019-08-05 + +11000 + +2019-09-10 + +450000 + +Sale + +None + +false + +Topography + +Rolling + +BusyRoadway + +13038 + +Full + +Residential + +210 Cannon Ball Rd + +Treeville + +12345 + +VA + +Driveway + +Asphalt + +2 + +false + +BuiltIn + +Garage + +2 + +0 + +SalesConcessions + +0 + +ContractDate + +0 + +SiteSize + +0 + +NeighborhoodName + +-2000 + +Topography + +0 + +YearBuilt + +Walk Out + +Below Grade Exterior Access + +SalesComparableAdditionalAdjustableComparisonItem + +0 + +EnergyEfficientAndGreenFeatures + +10000 + +LivingUnitBedroomCount + +7400 + +LivingUnitStandardFinishedAreaAboveGrade + +0 + +LivingUnitStandardFinishedAreaBelowGrade + +0 + +LivingUnitUnfinishedAreaBelowGrade + +-1000 + +OverallConditionRating + +6000 + +OutdoorLivingAmenity + +-12000 + +WaterFeaturesAmenity + +6000 + +MiscellaneousAmenity + +534400 + +NorthEast + +Less + +false + +185 + +3 + +0.4 + +14400 + +false + +true + +Dwelling + +2001 + +false + +Flooring + +NotUpdated + +148 + +2816 + +1328 + +false + +4 + +3 + +1 + +C4 + +Q4 + +Kitchen + +NotUpdated + +Colonial + +Vinyl + +ExteriorWallsAndTrim + +Composition + +Roof + +C4 + +Q4 + +1 + +Centralized + +NaturalGas + +ForcedWarmAir + +PropertyPhoto + +\\Images\SF1_Comp3.png + +image/png + +14 + +525000 + +SettledSale + +25.165170 + +-51.328128 + +Hilldale + +Deck + +Patio + +OutdoorLiving diff --git a/chunks/txt/0cbab0dbb347d81760fac36577accc32482e7ca40759d7e1c29fe74fbae2f2d4.txt b/chunks/txt/0cbab0dbb347d81760fac36577accc32482e7ca40759d7e1c29fe74fbae2f2d4.txt new file mode 100644 index 0000000000000000000000000000000000000000..44e68f77dd9d3cf4c96458523dc5aa75e6c082b1 --- /dev/null +++ b/chunks/txt/0cbab0dbb347d81760fac36577accc32482e7ca40759d7e1c29fe74fbae2f2d4.txt @@ -0,0 +1,9 @@ +(cid:8)(cid:24)(cid:16)(cid:21)(cid:15)(cid:13)(cid:29)(cid:17)(cid:16)(cid:32)(cid:12)(cid:13)(cid:22)(cid:30)(cid:17)(cid:32)(cid:14)(cid:31)(cid:32)(cid:11)(cid:13)(cid:22)(cid:17)(cid:28)(cid:32)(cid:5)(cid:25)(cid:23)(cid:26)(cid:13)(cid:27)(cid:21)(cid:28)(cid:25)(cid:24)(cid:32)(cid:4)(cid:26)(cid:26)(cid:27)(cid:25)(cid:13)(cid:15)(cid:20)(cid:32) + +(cid:6)(cid:27)(cid:18)(cid:22)(cid:17)(cid:15)(cid:32)(cid:19)(cid:18)(cid:35)(cid:13)(cid:15)(cid:25)(cid:33)(cid:19)(cid:35) + +(cid:6)(cid:24) (cid:7)(cid:7)(cid:1)(cid:5)(cid:23)(cid:1)(cid:5)(cid:23)(cid:24) + +(cid:2)(cid:1)(cid:3) + +(cid:11)(cid:24)(cid:21)(cid:35)(cid:33)(cid:21)(cid:28)(cid:29)(cid:28)(cid:17)(cid:42)(cid:28)(cid:35)(cid:33)(cid:48)(cid:35)(cid:26)(cid:48)(cid:14)(cid:17)(cid:29)(cid:24)(cid:40)(cid:48)(cid:5)(cid:35)(cid:31)(cid:37)(cid:17)(cid:38)(cid:28)(cid:40)(cid:35)(cid:33)(cid:48)(cid:2)(cid:37)(cid:37)(cid:38)(cid:35)(cid:17)(cid:21)(cid:27)(cid:48) diff --git a/chunks/txt/0cc4082fa4a2c9920479fe0343d3cec2d687a89d953ed70179937af17da33116.txt b/chunks/txt/0cc4082fa4a2c9920479fe0343d3cec2d687a89d953ed70179937af17da33116.txt new file mode 100644 index 0000000000000000000000000000000000000000..377d2d6d713b9d1a3e9e4f0011831ef022e520d4 --- /dev/null +++ b/chunks/txt/0cc4082fa4a2c9920479fe0343d3cec2d687a89d953ed70179937af17da33116.txt @@ -0,0 +1,33 @@ +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 4 of 166 + +UAD 3.6 Policy + +About the Selling Guide UAD 3.6 Policy Supplement + +This Selling Guide UAD 3.6 Policy Supplement provides the updated policy specifically for lenders approved by Fannie +Mae to use the Uniform Appraisal Dataset (UAD) 3.6 during the Limited Production Period beginning on Sept. 8, 2025, +and ending on Jan. 25, 2026 and, thereafter, for lenders that choose to use UAD 3.6 following the Limited Production +Period. All lenders are required to use UAD 3.6 for all new appraisal reports submitted to the Uniform Collateral Data +Portal (UCDP) on or after Nov. 2, 2026. + +N OTE: For Fannie Mae-approved lenders not using UAD 3.6, the existing policies for completing appraisals under UAD +2.6 will remain in the current Selling Guide. Refer to Selling Guide Subpart B4, Underwriting Property, for complete policy +guidance. + +Visit the UAD web page for a detailed timeline and resources to support your transition to the new UAD. + +ADU and MH Policy Changes – Effective Date and Implementation Timeline + +Fannie Mae occasionally releases information regarding policy updates ahead of their effective dates to provide +lenders with sufficient time to prepare for implementation. The changes outlined below are effective for loans +sold on or after March 31, 2026, and apply exclusively to lenders using UAD 3.6. + +Expanded ADU Eligibility + +• Multi-Unit Properties: Updated eligibility criteria to allow 2- to 3-unit properties to include ADUs, + +provided the number of dwelling units in the primary structure plus the ADUs does not exceed four. +• Multiple ADUs on Single-Unit Properties: Extends eligibility to 1-unit properties with up to three ADUs. +• One ADU for Standard Manufactured Housing: Extends eligibility to single-unit MH (single-section or diff --git a/chunks/txt/0cc670365d78d8f74caeacea2ecf9bf53e66a8950831d284dbafcd736fe3a954.txt b/chunks/txt/0cc670365d78d8f74caeacea2ecf9bf53e66a8950831d284dbafcd736fe3a954.txt new file mode 100644 index 0000000000000000000000000000000000000000..ba1b50f0af783f30391da20a6488b2193ae5cf30 --- /dev/null +++ b/chunks/txt/0cc670365d78d8f74caeacea2ecf9bf53e66a8950831d284dbafcd736fe3a954.txt @@ -0,0 +1,50 @@ +In addition, FHFA identified groups +of HMDA data elements collected by the +Enterprises that will be excluded from +the PUDB. One group of HMDA data +elements will be excluded in +conformance with the CFPB Privacy +Guidance, which intends to exclude +them entirely from publication in the +CFPB’s public dataset. Another group of +HMDA data elements drawn from +updated Enterprise seller data +collections will be excluded because the +Enterprises recently began collecting +them and they require further analysis +in order to ensure data quality before +inclusion in the PUDB. + +The new HMDA data elements, and +any previous PUDB data elements that +are now defined as HMDA data, are not +eligible to receive proprietary +protections under the Safety and +Soundness Act and will, therefore, be +disclosed in the PUDB Census Tract +Files. They will be modified to protect +borrower privacy only. + +As a result of FHFA’s review of the +HMDA data elements, FHFA issued the +appended Order, which added the +appropriate HMDA data elements to the +PUDB matrices and required the +Enterprises to report them to FHFA. The +Order modifies the 2010 and 2011 +PUDB Orders previously issued by +FHFA.24 The Order and this Notice of +Order contain a link to the revised +matrices on FHFA.gov and fulfill the +Safety and Soundness Act requirement +that FHFA issue an order or regulation +to make the HMDA data available to the +public, subject to privacy protections.25 +The expansion of the PUDB data +requirements will enhance transparency +about the Enterprises’ mortgage +purchase activities. + +The new HDMA data added by the +Order will be published in a dataset that +replaces an interim PUDB released on diff --git a/chunks/txt/0ccd29ed7d244883bc0d219e65108e0cc75ecd5f248c7b7acb5db97884400c24.txt b/chunks/txt/0ccd29ed7d244883bc0d219e65108e0cc75ecd5f248c7b7acb5db97884400c24.txt new file mode 100644 index 0000000000000000000000000000000000000000..4c7a51fc2ffc6941a6fc273d57b36668e276a3bb --- /dev/null +++ b/chunks/txt/0ccd29ed7d244883bc0d219e65108e0cc75ecd5f248c7b7acb5db97884400c24.txt @@ -0,0 +1,41 @@ +CounselingFormatType = Other +CounselingFormatTypeOtherDescription = BorrowerDidNotParticipate + +Notes: Use of the GSE-specific valid value requires the submission of two data points: +the “Partner” data point with a value of “Other” and the “OtherDescription” data +point with the specified enumeration. Each GSE’s implementation guide +specifies that supplemental valid values may be used by including the value of +“Other” in the partner data point and by providing the list of accepted +enumerations in the “OtherDescription” data point. + +c. Adding Enumerations to the MISMO Standard + +See Section VI. V3.0 Reference Model Features Not Used in the ULDDS. + +4. Enumeration: -- URN Suffix + +See Section VI. V3.0 Reference Model Features Not Used in the ULDDS. + +5. App Info + +The “App Info” column can be used to provide additional information about the usage +of the data point. Notes about terms that have been renamed from earlier versions also +are provided here. This is useful for business partners with previous implementations +of MISMO to identify what this data point may be called in their legacy +implementations of the standard. Not every data point has an entry in the App Info +column. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 13 of 76 + +Section III. Using the MISMO v3.0 Logical Data Dictionary + +Example III-6. MISMO LDD Data Point App Info. + +Notes on Usage +Data Point: BorrowerBirthDate +Definition: Borrowers date of birth. +App Info: Collected in lieu of AGE in URLA, Section III, second line, third diff --git a/chunks/txt/0cd7ec44311d664f8be8088f23f58e91ff144974fb25186e3fdd0487370249bb.txt b/chunks/txt/0cd7ec44311d664f8be8088f23f58e91ff144974fb25186e3fdd0487370249bb.txt new file mode 100644 index 0000000000000000000000000000000000000000..1b273a431a7cd2eb0db4d624306b1f86f49c193e --- /dev/null +++ b/chunks/txt/0cd7ec44311d664f8be8088f23f58e91ff144974fb25186e3fdd0487370249bb.txt @@ -0,0 +1,99 @@ +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +351 + +3 + +30 + +SALES +COMPARISON +APPROACH + +Quality of Construction + +GSE Quality Of +Construction +Rating Type + +The overall rating of the property's quality +of construction. + +352 + +3 + +e-17 + +SALES +COMPARISON +APPROACH + +Actual Age + +GSE Age +Estimation +Indicator + +Indicates if the age of the property is +estimated. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D +ETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex +tensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEQualityOfConstructionRatingType + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D +ETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex +tensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEAgeEstimationIndicator + +353 + +3 + +31 + +SALES +COMPARISON +APPROACH + +Actual Age + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘0’]/SALE_PRICE_A +DJUSTMENT[@_Type=‘Age’]/@_Description + +2 + +1 + +3 + +Enumerated + +Allowable Values +Q1 +Q2 +Q3 +Q4 +Q5 +Q6 + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +This field indicates whether the actual age is estimated. diff --git a/chunks/txt/0ce213b3f2bb447afd964f918f9e0769a11393812b345475617d86c97199083e.txt b/chunks/txt/0ce213b3f2bb447afd964f918f9e0769a11393812b345475617d86c97199083e.txt new file mode 100644 index 0000000000000000000000000000000000000000..a58b4c73eb72ee4b30a540952adcacdf35e33763 --- /dev/null +++ b/chunks/txt/0ce213b3f2bb447afd964f918f9e0769a11393812b345475617d86c97199083e.txt @@ -0,0 +1,109 @@ +PROJECT +INFORMATION + +Project Description +Garden + +Project Design Type + +This field specifies the type of design for +the multiple unit buildings in a project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='GardenPr +oject'] + +PROJECT +INFORMATION + +Project Description +Mid-Rise + +Project Design Type + +This field specifies the type of design for +the multiple unit buildings in a project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='MidrisePr +oject'] + +PROJECT +INFORMATION + +Project Description +High-Rise + +Project Design Type + +This field specifies the type of design for +the multiple unit buildings in a project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='HighriseP +roject'] + +131 + +132 + +133 + +134 + +135 + +136 + +1 + +1 + +4000 + +125 + +17 + +17 + +17 + +17 + +17 + +Boolean + +Boolean + +String + +String + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +This field should describe adverse site conditions, etc. + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +UAD Instruction - Refer to Appendix D Project Information Section +If the project includes more than one design type, this field indicates the design type +that applies to the subject unit, and the appraiser may indicate the other design types in +the addendum. + +One and only one selection from fields 1- +132, 1-133, 1-134, 1-135, 1-136, 1-137 +(values of Project Design Type) should be +indicated. + +UAD Instruction - Refer to Appendix D Project Information Section +If the project includes more than one design type, this field indicates the design type +that applies to the subject unit, and the appraiser may indicate the other design types in +the addendum. diff --git a/chunks/txt/0ce83ff6a4aa14bfc760bed7457ab5aab105a8269e884650b32c1c1cbb86c724.txt b/chunks/txt/0ce83ff6a4aa14bfc760bed7457ab5aab105a8269e884650b32c1c1cbb86c724.txt new file mode 100644 index 0000000000000000000000000000000000000000..aef43a266f30ddc63943baf6b20066bc9e27e8bc --- /dev/null +++ b/chunks/txt/0ce83ff6a4aa14bfc760bed7457ab5aab105a8269e884650b32c1c1cbb86c724.txt @@ -0,0 +1,15 @@ +As you use each GSEs’ UAD Compliance API, please notify the same GSE contacts if you notice any discrepancies +between the results provided by the API and the UAD 3.6 Compliance Rules listed on the GSEs’ websites. + +If you are interested in an integration to the UAD Compliance API, follow the link to the TSP Intake Form +below. + +TSP Intake Form + +We will review your information and contact you with next steps including contractual requirements and +credential-setup to access our API Developer Portal. + +Otherwise, please ensure you have access to our API Developer Portal and respond to this email to inform me of +your timeline for building to the API. + +© 2024 Fannie Mae 12.6.24 Page 1 of 1 diff --git a/chunks/txt/0cea505720313153e9b4398132411ce609b98c06fc60b75b7eb66ac87d0dba4e.txt b/chunks/txt/0cea505720313153e9b4398132411ce609b98c06fc60b75b7eb66ac87d0dba4e.txt new file mode 100644 index 0000000000000000000000000000000000000000..3993e7aa75a194c7f946dbb8c034984dd73ef655 --- /dev/null +++ b/chunks/txt/0cea505720313153e9b4398132411ce609b98c06fc60b75b7eb66ac87d0dba4e.txt @@ -0,0 +1,140 @@ +Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 8 of 23 + +Unit Interior - Primary Dwelling (continued) + +Kitchen and Bathroom Details + +Room +Kitchen +Level 1 + +Bath - Full +Level B1 + +Bath - Full +Level 2 + +Bath - Full +Level 2 + +Bath - Half +Level 1 + +Update Status +Partially Updated + +Time Frame +5-10 years + +Fully Updated + +1-5 years + +Not Updated + +Not Updated + +Partially Updated + +1-5 years + +Quality Comment +Upgraded counters, +mid-grade cabinets and +appliances + +Upgraded fixtures, +flooring, and +wainscoting + +Standard grade fixtures, +floors, and cabinetry + +Standard grade fixtures, +floors, and cabinetry + +Upgraded fixtures and +updated flooring + +Condition Status +New or Like New + +Condition Comment +Well maintained + +New or Like New + +Recently received a gut +renovation + +Typical Wear and Tear + +Maintained + +Typical Wear and Tear + +Maintained + +New or Like New + +Recent update and +upgrade + +Overall Update Status for +Bathrooms + +Moderately Updated + +Interior Features + +Feature +Flooring + +Detail +Carpet + +Ceramic Tile + +Hardwood + +Vinyl + +Walls and Ceiling + +8 Ft. | 9 Ft. | Flat + +Quality Comment +Standard Grade + +Condition Status +Typical Wear and Tear + +Condition Comment +Updated 5-10 years ago + +Typical Wear and Tear + +Updates in the last 5-10 years + +Standard grade - partial +upgraded (1st floor full baths) + +Standard Grade + +Standard Grade + +Standard drywall meets +market expectations for this +type of dwelling. + +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Well maintained diff --git a/chunks/txt/0cf0dd0732f782d7b04ef20ef64f1fb88c3dfb6a41e39e087c65de3c0ee91462.txt b/chunks/txt/0cf0dd0732f782d7b04ef20ef64f1fb88c3dfb6a41e39e087c65de3c0ee91462.txt new file mode 100644 index 0000000000000000000000000000000000000000..fe9bc380b4fdda4b4a3001c0f989fa68f82bb0ce --- /dev/null +++ b/chunks/txt/0cf0dd0732f782d7b04ef20ef64f1fb88c3dfb6a41e39e087c65de3c0ee91462.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/351","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"ajaxPageState":{"libraries":"eJyFUNFuwyAM_CEInxSZ5KC0ECPsNM2-fqTppElbtxeD784nnz1U0UY8KgvmMaTcW3G0Ko-y-pLU-N8lEQsaZeMzfezOJx7oSg8zcYObuFResKgM4RLI2sDch96QFzR-Q1WKsJo04xTMba2UByWfIdzU4KE5Lbcv4tWaY9qhUMq2p5CppaqJlxOPmT11QveujU9sLEkm11C7p51IEbnt9rqWag8_MbKLojhPArPKNst4fF1oVLBxu5l7wibuWc9DfAcKz2uPsMEHbsW93gEZpYcdZmjfVAah-_8i5Rj_8CoQ6Uf7wR_lE6N1vxA","theme":"fhfa","theme_token":null},"ajaxTrustedUrl":{"\/reports\/prepayment-monitoring-report":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":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. 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For +instance, if the property is subject to a +monthly HOA fee and a quarterly master +association fee, the quarterly fee must be +converted to a monthly fee and added to the +monthly HOA fee. + +If there are no HOA fees applicable to the +subject property, enter the numeral zero (0). + +Additional information about HOA fees, +frequency of payment(s), etc. may be +provided elsewhere in the appraisal report or +an addendum if necessary. + +Note: For appraisals of condominium units, +the amount of any applicable condominium +association fees must be included in the HOA +fees section. + +Reporting Format: +HOA $ – Currency, whole dollars only +Per Year, Per Month – Checkbox designated +with an ‘x’ + +Page 11 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +Assignment Type + +• 1004/70 + +REQUIREMENT + +The appraiser must indicate the transaction +type for the assignment – Purchase, +Refinance, or Other. Only one selection is +permitted. If ‘Other’ is selected, a description +must be provided. + +Reporting Format: +Assignment Type – Checkbox designated +with an ‘x’ Description of ‘Other’ (if applicable) +– Text + +Lender/Client +The appraiser must enter the name of the +lender. Any applicable AMC name should only +be entered in the Appraiser Certification +Section. diff --git a/chunks/txt/0cfb17408e4c9e90cf1e0a9a3d1ccac9db04ae57e3a308b7538dd84a467655f7.txt b/chunks/txt/0cfb17408e4c9e90cf1e0a9a3d1ccac9db04ae57e3a308b7538dd84a467655f7.txt new file mode 100644 index 0000000000000000000000000000000000000000..eb9258c5de1e799904644db54b4fe57582843f61 --- /dev/null +++ b/chunks/txt/0cfb17408e4c9e90cf1e0a9a3d1ccac9db04ae57e3a308b7538dd84a467655f7.txt @@ -0,0 +1,51 @@ +To further refine UCD Phase 1 data quality, the following edits will be updated, effective Feb. 17, 2022. The edit feedback +messages will be updated to the following: + +Fatal edit 3015: Annual Percentage Rate is required and must be greater than 0.0%. Data must be numeric up to 3 digits, +with up to 4 decimal places. + +Fatal edit 3311: Regulation Z Total Affiliate Fees Amount is required and must be greater than or equal to 0. Data must +be numeric up to 9 digits, with up to 2 decimal places. + +Description + +As announced in the Selling Guide announcement (SEL-2021-11), Genworth Mortgage Insurance Corporation is formally +changing its name to Enact Mortgage Insurance Corporation, effective Feb. 7, 2022. To support deliveries of Enact-insured +loans, a new UCD enumerated value, “Enact,” is being is being added to the MICompanyNameTypeOtherDescription field +(sort ID 894). Beginning Feb. 17, 2022, lenders can submit files with Enact as the Mortgage Insurer name. + +© 2022 Fannie Mae + +October 2022 Page 4 +of 4 + +February 17 + +UCD Critical Edits - + +Phase 2 + +Implementation + +February 14 + +UCD Critical Edits - + +Phase 1 + +Implementation + +January 24 + +UCD Critical Edits - + +Phase 1 + +Implementation + +In preparation for the Phase 2 UCD edits transition to fatal severity, several edits have been updated to provide additional +clarity on data requirements where a zero value may or may not be valid. Review the UCD Critical Edits Implementation +Guide for details. + +To further refine UCD Phase 1 data quality, fatal edit 3128 will be updated to not allow negative values, effective Feb. 14, +2022. The edit feedback message will be updated to the following: diff --git a/chunks/txt/0cfc46b0132f92373a3b2c3494ee9fafc7dde4072879cf2da1b1bafb1ede1cce.txt b/chunks/txt/0cfc46b0132f92373a3b2c3494ee9fafc7dde4072879cf2da1b1bafb1ede1cce.txt new file mode 100644 index 0000000000000000000000000000000000000000..1c0d807d4bead62ea9de1c672023860e9f0dbf76 --- /dev/null +++ b/chunks/txt/0cfc46b0132f92373a3b2c3494ee9fafc7dde4072879cf2da1b1bafb1ede1cce.txt @@ -0,0 +1,90 @@ +10.351 + +gse:IntegratedDisclosureSectionTy +pe + +PaidAlreadyByOrOnBehalfOf +BorrowerAtClosing + +This value must be provided for purchases. + +Figure 22. XML Snippet - Payoff of Existing Liens Outside of Closing (Model Form). + +… +… + + + + + + + +Satisfaction of Jr. Lien ($5,000 POC by Borrower) + + + +PaidAlreadyByOrOnBehalfOfBorrowerAtClosing< + +/gse:IntegratedDisclosureSectionType> + + + + + + + + +i. … + + + +UCD v2.0 Implementation Guide + +- 30 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +C. ADJUSTMENT, AMORTIZATION AND BUYDOWN DATA + +Sections D through W explain the XML file data points that describe the loan and the closing transaction. The parent container +for all the MISMO structures described in these sections is LOAN. All child containers and data points under LOAN describe +the subject loan or the transactions, services and processes that occurred in its manufacturing process. + +Table 15. XML File Container Structure for Adjustment, Amortization and Buydown Data. + +UCD UID + +Container Name + +UCD Usage Notes + +999.046 + +LOANS + +999.047 + +LOAN + +999.048 + +ADJUSTMENT + +999.049 + +INTEREST_RATE_ADJUSTMENT + +MISMO structure enabling grouping of the subject loan with +subordinate loans or subsequent modifications. + +Holds containers categorizing loan characteristics and terms. + +Holds containers categorizing interest rate and payment +adjustment terms. + +Holds containers categorizing loan interest rate adjustment +terms. diff --git a/chunks/txt/0cfc5b39963dc4955f05af01da14eb423c29f97af51fc44af4276c03b40666c0.txt b/chunks/txt/0cfc5b39963dc4955f05af01da14eb423c29f97af51fc44af4276c03b40666c0.txt new file mode 100644 index 0000000000000000000000000000000000000000..b6a5ddbeabd464e2c4cb9915cf0ba509a16710d9 --- /dev/null +++ b/chunks/txt/0cfc5b39963dc4955f05af01da14eb423c29f97af51fc44af4276c03b40666c0.txt @@ -0,0 +1,11 @@ +**20. How do we handle loans in our closing system pipeline during the transition to the mandate dates?** + +There is no need to manage pipeline loans in the GSE’s UCD collection solutions. Submissions must cut over to UCD v2.0 and the associated edits will be in effect as of the mandate date. UCD XML files submitted before the mandate may be in either the UCD v1.5 or UCD v2.0 format, and after the mandate must be v2.0 (even if resubmitting a loan previously submitted in v1.5 format). + +**21. What do I provide in the UCD XML file when a fee cannot reasonably be mapped to a UCD v1.5 FeeType or UCD v2.0 ucd:FeeItemType supported enumeration?** + +You must provide FeeType / ucd:FeeItemType = “Other” and FeeTypeOtherDescription / ucd:FeeItemTypeOtherDescription only when an enumeration that reasonably reflects the fee is not supported by the UCD Spec version. Seventy-three enumerations were added in UCD v2.0 for ucd:FeeItemType. See Tab 9- FeeItemType Enumerations in UCD v2.0 for these new values. + +**22. Will I receive an error message if I send a UCD supported enumeration for ucd:FeeItemTypeOtherDescription or FeeTypeOtherDescription?** + +There are situations when using ucd:FeeItemTypeOtherDescription or FeeTypeOtherDescription is warranted, e.g., for specialized or jurisdiction specific charges, but if a UCD-supported enumeration reasonably represents the disclosure of fees on the CD it must be used in the UCD XML file. The GSEs are monitoring the use of ucd:FeeItemType = ‘Other’ plus ucd:FeeItemTypeOtherDescription for content and frequency; however, no critical edits are currently planned when the use of ‘Other’ exceeds a certain number within the UCD XML file. Lender-level usage reports can be made available upon request to your Fannie Mae or Freddie Mac account representative. diff --git a/chunks/txt/0cfee4f880d25bd9dd0b7fc6c43374a3b1c4b401443211e94717fb330b190254.txt b/chunks/txt/0cfee4f880d25bd9dd0b7fc6c43374a3b1c4b401443211e94717fb330b190254.txt new file mode 100644 index 0000000000000000000000000000000000000000..fc3ab3eae3cfedf350a26f11c48617b518b0d010 --- /dev/null +++ b/chunks/txt/0cfee4f880d25bd9dd0b7fc6c43374a3b1c4b401443211e94717fb330b190254.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/about/do-business-with-us" +date_accessed: "2026-01-27T17:47:56.387Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/0d02e4405932d7509a4294d78950470405a71e5a33ee2d2a0505aa5549eb7451.txt b/chunks/txt/0d02e4405932d7509a4294d78950470405a71e5a33ee2d2a0505aa5549eb7451.txt new file mode 100644 index 0000000000000000000000000000000000000000..f015dd22b001754c133d993df88ff2a338158c34 --- /dev/null +++ b/chunks/txt/0d02e4405932d7509a4294d78950470405a71e5a33ee2d2a0505aa5549eb7451.txt @@ -0,0 +1,102 @@ +If field 1-182 (Car Storage Exists Indicator = +'N') is indicated, then none of fields 1-183, 1- +186, 1-188 (Car Storage Location Exists +Indicator = 'Y' and values of Car Storage +Location Type) should be indicated. If field 1- +182 is not indicated, then at least one of fields 1- +183, 1-186, 1-188 should be indicated. + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +R + +T + +R + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping + +Page 184 of 211 + +Document Version 1.4 + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point +Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +If at least one of fields 1-186, 1-188 is indicated +(Car Storage Location Type = 'Garage' or +'Carport', and Car Storage Location Exists +Indicator = 'Y'), than at least one of fields 1- +190,1-191,1-192 (types of Car Storage +Attachment Type) should be indicated. If +neither of fields 1-186, 1-188 are indicated then +none of fields 1-190,1-191,1-192 should be +indicated +If at least one of fields 1-186, 1-188 is indicated +(Car Storage Location Type = 'Garage' or +'Carport', and Car Storage Location Exists +Indicator = 'Y'), than at least one of fields 1- +190,1-191,1-192 (types of Car Storage +Attachment Type) should be indicated. If +neither of fields 1-186, 1-188 are indicated then +none of fields 1-190,1-191,1-192 should be +indicated +If at least one of fields 1-186, 1-188 is indicated +(Car Storage Location Type = 'Garage' or +'Carport', and Car Storage Location Exists +Indicator = 'Y'), than at least one of fields 1- +190,1-191,1-192 (types of Car Storage +Attachment Type) should be indicated. If +neither of fields 1-186, 1-188 are indicated then +none of fields 1-190,1-191,1-192 should be +indicated diff --git a/chunks/txt/0d2a9699b06de7e445e72c15f3929e4b6189c7ee9f3efe24708701df31654864.txt b/chunks/txt/0d2a9699b06de7e445e72c15f3929e4b6189c7ee9f3efe24708701df31654864.txt new file mode 100644 index 0000000000000000000000000000000000000000..01592721df6ef6965a7084835808e36311232dc2 --- /dev/null +++ b/chunks/txt/0d2a9699b06de7e445e72c15f3929e4b6189c7ee9f3efe24708701df31654864.txt @@ -0,0 +1,341 @@ +0 + +LivingUnitBathroomCount + +-30200 + +LivingUnitStandardFinishedAreaAboveGrade + +585800 + +Less + +true + +457 + +2 + +0.0 + +-35200 + +true + +HistoricPreservation + +ConditionsCovenantsRestrictions + +2631 + +Monthly + +AssociationDues + +Dwelling + +1971 + +false + +1360 + +0 + +false + +1 + +11 + +1 + +1 + +C3 + +Q3 + +Highrise + +1 + +ForcedWarmAir + +PropertyPhoto + +\\Images\Coop_Dwelling_Front.png + +image/png + +25 + +615000 + +SettledSale + +25.165175 + +-51.328127 + +Other + +Theater + +IngroundPool + +Cooperative + +XYZ Apartments + +0 + +Attached + +1 + +false + +1 + +C3 + +Q3 + +false + +false + +true + +false + +true + +true + +2019-07-20 + +5000 + +2019-08-04 + +621000 + +Sale + +None + +true + +Full + +Residential + +Full + +CityStreet + +1350 Riverside Ave, NW + +Unit + +1627 + +Washington + +20001 + +DC + +ParkingGarage + +1 + +Owned + +-5000 + +LivingUnitBathroomCount + +0 + +ProjectInformation + +0 + +SaleDate + +0 + +ContractDate + +10000 + +PropertyRestriction + +-10000 + +View + +0 + +YearBuilt + +0 + +LivingUnitFloorNumber + +27800 + +LivingUnitStandardFinishedAreaAboveGrade + +0 + +LivingUnitBathroomCount + +592800 + +NorthWest + +Less + +true + +533 + +3 + +0.13 + +22800 + +false + +2096 + +Monthly + +AssociationDues + +Dwelling + +1965 + +false + +1070 + +0 + +false + +1 + +16 + +1 + +1 + +C3 + +Q3 + +Highrise + +1 + +ForcedWarmAir + +PropertyPhoto + +\\Images\Coop_Comparable.png + +image/png + +40 + +570000 + +SettledSale + +25.165176 + +-51.328128 + +Clubhouse + +FitnessArea + +IngroundPool + +Cooperative + +MNO Apartments + +0 + +Attached + +1 + +false + +1 + +C3 + +Q3 + +false + +false + +true + +false + +false + +2019-07-14 + +2019-07-14 + +570000 + +Sale + +None + +true + +Full + +Residential + +Full + +Park + +2700 Bar Harbor Ave, NW + +Unit + +1009 + +Washington + +20001 + +DC + +1 + +SettledSale + +The unit is much smaller than the subject. + +false + +GrossLivingArea diff --git a/chunks/txt/0d31ad1f4b722121f36c532ab8bb78a212594f067a550f874566f7ceeb1bfeda.txt b/chunks/txt/0d31ad1f4b722121f36c532ab8bb78a212594f067a550f874566f7ceeb1bfeda.txt new file mode 100644 index 0000000000000000000000000000000000000000..c080c871bf1583a2a822301632a7162a2fd4891c --- /dev/null +++ b/chunks/txt/0d31ad1f4b722121f36c532ab8bb78a212594f067a550f874566f7ceeb1bfeda.txt @@ -0,0 +1,84 @@ +1300.0013 + +MarketingOrExposureDaysCount + +1300.0014 +1300.0015 + +MarketingOrExposureHighRangeDaysCount +MarketingOrExposureLowRangeDaysCount + +26.011 + +Effective Date of Appraisal + +1300.0012 + +AppraisalReportEffectiveDate + +26.012 + +FHA REO Insurability Level + +1300.0020 + +FHA_REOInsurabilityLevelCode + +26.013 + +Final Value Condition +Statement + +Figure 26 - 2 + +− + +Cannot be delivered as "AsIs" when any +DefectItemRecommendedActionType <> "None". + +Always displays +The data must be provided in 1 of 2 ways: + +− +− + +a single number followed by “days”, (e.g., 45 days) OR +two numbers indicating a range with the low and high numbers +separated by “-“ and followed by “days” (e.g., 30-60 days). + +Always displays +Display when GovernmentAgencyAppraisalIndicator = "true" AND +GovernmentAgencyAppraisalType = "FHA" AND ValuationAssignmentType = +"REO" +See Final Value Condition Statement for display rules. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 350 + +Final Value Condition Statement + +The Final Value Condition Statement is a text field, which is created based on the valid value(s) of Market Value Condition. + +• Market Value Condition - PropertyValuationConditionalConclusionType (UID: 1300.0010, FID: 26.009) + +Note: When Market Value Condition – PropertyValuationConditionalConclusionType = “AsIs”, the Final + +Value Condition Statement does not display. + +Start with the text, “This appraisal is made” + +If Market Value +Condition is… +Subject to +Completion Per Plans + +Subject to Inspection + +Subject to Repair + +Display Text + +Reconciliation: Final Value Condition Statement + +subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been completed diff --git a/chunks/txt/0d3edd75efd848257a285ea7d1fafe8720a096ec0de7d90905e6da9aec705d4e.txt b/chunks/txt/0d3edd75efd848257a285ea7d1fafe8720a096ec0de7d90905e6da9aec705d4e.txt new file mode 100644 index 0000000000000000000000000000000000000000..d50d04dbc14fdc70c032ecdb1ad824c31acc22b7 --- /dev/null +++ b/chunks/txt/0d3edd75efd848257a285ea7d1fafe8720a096ec0de7d90905e6da9aec705d4e.txt @@ -0,0 +1,83 @@ +If Yes, all dwellings on the property are 100% newly constructed, including the +foundation, were completed in the past 12 months, have never been occupied, +and exhibit no signs of wear or use. + +Reference the condition rating definitions in Appendix 2: Condition and Quality +Rating Definitions. + +Appendix F-1: URAR Reference Guide + +Page 48 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +03 Subject Property + +Report +Field ID + +3.018 + +Subject Property: Subject Property Characteristics (Checkboxes) + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Construction +Stage + +Required for FHA and +VA appraisals when +New Construction is +Yes + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Complete +Proposed +Under Construction + +The stage of construction at the time of the inspection. +• +• +• +Reference the appropriate government agency appraisal guidelines for more +information. + +Allowable Answer + +Definition / Additional Guidance + +Project Legal Structure (Choose one) + +Condominium + +Cooperative + +Condop + +A project that has condominium ownership rights. + +A project that has cooperative ownership rights. + +A project that contains units with both cooperative and condominium ownership rights. +Example: A mixed-use condo building with commercial spaces that are individual condo units, and a residential portion +that is a cooperative consisting of individual residential co-op units (all of the residential co-op units together make up one +condominium unit). + +Attachment Type and Number of Units, ADUs, and Dwellings + +Subject Property: Attachment Type and Number of Units, ADUs, and Dwellings diff --git a/chunks/txt/0d4557cbc81fe329c00c7e6a5f1241b57fe620ab13879b85b421f7de5e6a63c2.txt b/chunks/txt/0d4557cbc81fe329c00c7e6a5f1241b57fe620ab13879b85b421f7de5e6a63c2.txt new file mode 100644 index 0000000000000000000000000000000000000000..b5adf37125da4d1999dc6c5aabb73bd5eab81601 --- /dev/null +++ b/chunks/txt/0d4557cbc81fe329c00c7e6a5f1241b57fe620ab13879b85b421f7de5e6a63c2.txt @@ -0,0 +1,14 @@ +Please refer to the following policies on Google's website for more information: + +- [Google's main privacy policy](http://www.google.com/intl/en/policies/privacy) +- [Cookies on Websites](https://policies.google.com/technologies/cookies?hl=en) +- [Opt out of Google Analytics Cookies](https://tools.google.com/dlpage/gaoptout?hl=en) +You may opt out of having cookies installed on your machine or device by changing the settings of your browser to disable them. For instructions on how to disable cookies from common browsers, please visit: [https://www.usa.gov/optout-instructions](https://www.usa.gov/optout-instructions). + +If you choose to disable cookies you will continue to have access to FHFA’s website, and you will receive comparable information and services. However, your experience may be different than those who enable cookies. + +## 4. If You Send Us Personal Information + +We do not collect personal information for any purpose other than to respond to your inquiries or complaints. Any personally identifiable information (such as name, address, phone number, and email address) that you provide is voluntary. + +If you voluntarily choose to provide us with personal information by filling out a form and submitting it to us through our website, we may use the information to: 1) respond to complaints, appeals, inquires, and requests for information; 2) review and post comments on proposed rules/regulations; 3) review feedback received on FHFA proposed or implemented initiatives; and/or 4) compile a list of potential vendors and contractors. Forms available through FHFA’s website may also assist FHFA and those who will respond to the submitter with consumer issues involving Fannie Mae, Freddie Mac, or the Federal Home Loan Banks. We may share or disclose that information consistent with FHFA's System of Records Notice ([FHFA-22 - Online Forms](https://www.fhfa.gov/regulation/federal-register/privacy-act-system-of-records-notice/2013-n-15)). In some circumstances, including responding to requests from Congress or private individuals, we may be required by law to disclose the information you submit. We do not collect or use your information or create individual profiles for commercial marketing purposes. diff --git a/chunks/txt/0d47a20c92c08ab6c96523378a176ac1707a9ad6ac184069895ee0cc68349aac.txt b/chunks/txt/0d47a20c92c08ab6c96523378a176ac1707a9ad6ac184069895ee0cc68349aac.txt new file mode 100644 index 0000000000000000000000000000000000000000..4e00f75d2c7d02bad39ee821debbd19f200e54ec --- /dev/null +++ b/chunks/txt/0d47a20c92c08ab6c96523378a176ac1707a9ad6ac184069895ee0cc68349aac.txt @@ -0,0 +1,7 @@ +TXC-B – Commentary Text with Bold Intro ......................................................................................................... 23 + +TXC-B1 – Commentary Text, one column with Bold Intro .................................................................................. 23 + +TXC-I – Commentary Text Italic .......................................................................................................................... 23 + +TXC-I1 – Commentary Text Italic, one column ................................................................................................... 23 diff --git a/chunks/txt/0d4c41c9ff6bab758ac4780d2692769e435083dd132e3d536733d622228dacc7.txt b/chunks/txt/0d4c41c9ff6bab758ac4780d2692769e435083dd132e3d536733d622228dacc7.txt new file mode 100644 index 0000000000000000000000000000000000000000..0e0f848fec94b32a88ac0d8e6951e312b649b42d --- /dev/null +++ b/chunks/txt/0d4c41c9ff6bab758ac4780d2692769e435083dd132e3d536733d622228dacc7.txt @@ -0,0 +1,81 @@ +Page 245 + +• Condominium - ProjectLegalStructureType (UID: 2500.0168, FID: 18.001) +• Cooperative - ProjectLegalStructureType (UID: 2500.0168, FID: 18.002) +• Condop - ProjectLegalStructureType (UID: 2500.0168, FID: 18.003) +• Planned Unit Development (PUD) - PUDIndicator (UID: 0100.0026, FID: 18.000) + +Figure 18 - 1 + +Appendix B-1: URAR Implementation Guide v1.3 + +Report +Field ID + +Report Label + +Project Information: General Information + +Unique ID MISMO Data Point Name + +Display Rules + +Page 246 + +18.000 Planned Unit Development (PUD) + +0100.0026 PUDIndicator + +18.001 +18.002 +18.003 + +Condominium +Cooperative +Condop + +2500.0168 ProjectLegalStructureType + +18.004 Project Name + +2500.0065 ProjectName + +18.005 Project Information Data Source + +0700.0125 DataSourceType + +Checkbox always displays. Selection is redisplayed from Subject Property +section. When True, box is checked when false, not selected. +Checkboxes always display. Selection is redisplayed from Subject Property +section. + +− If Condominium, display Condominium checkbox as "checked" and + +other checkboxes "unchecked". + +− If Cooperative, display Cooperative checkbox as "checked" and other + +checkboxes "unchecked". + +− If Condop, display Condop checkbox as "checked" and other + +checkboxes "unchecked". + +Display when PropertyInProjectIndicator = "true" +Always displays +When multiple data sources are provided display as stacked. +Display when PropertyInProjectIndicator = "true" + +18.006 Total Units + +18.007 Units Sold + +18.008 Units for Sale + +18.009 Units Rented + +18.009 Units Rented + +2500.0060 ProjectDwellingUnitCount + +2500.0064 ProjectDwellingUnitsSoldCount diff --git a/chunks/txt/0d66f18609781124129ccb9aff9300ee45de9c1b25a7c042c1521760e6749ef1.txt b/chunks/txt/0d66f18609781124129ccb9aff9300ee45de9c1b25a7c042c1521760e6749ef1.txt new file mode 100644 index 0000000000000000000000000000000000000000..833eb730a072693cca0f5f7f7fa16fb512ddd1e0 --- /dev/null +++ b/chunks/txt/0d66f18609781124129ccb9aff9300ee45de9c1b25a7c042c1521760e6749ef1.txt @@ -0,0 +1,78 @@ +A. Related Resource Guides / Documents: + +Document Name +Functioning without Form +Numbers + +UAD 3.6 Messaging Guide + +UCDP Overview + +Description + +Links + +Maps Legacy Forms to Redesigned Uniform +Residential Appraisal Report (URAR) Property +Type Characteristics + +Comprehensive list of findings returned in the +UAD 3.6 Submission Summary Report + +Provides an overview of UCDP functionality, +access, registration, learning resources, and +data delivery requirements. + +Fannie Mae + +Freddie Mac + +Fannie Mae + +Freddie Mac + +Fannie Mae + +Freddie Mac + +Uniform Collateral Data +Portal (UCDP) webpage + +Online source for UCDP resources: portal +access, job aids & guides, SSR resources, and +administrator reference series. + +Fannie Mae + +Freddie Mac + +Uniform Appraisal Dataset +(UAD) webpage + +Online source for UAD resources: +announcements, technology documentation, +industry guidance, and general learning +resources. + +Fannie Mae + +Freddie Mac + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. + +B. Sample Fannie Mae URAR SSR PDF: + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. + +C. Sample Fannie Mae URAR SSR PDF: + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. diff --git a/chunks/txt/0d6c1e0b6ac48182069249a144235905c98c7b117baa536c3fa725f457a2a12b.txt b/chunks/txt/0d6c1e0b6ac48182069249a144235905c98c7b117baa536c3fa725f457a2a12b.txt new file mode 100644 index 0000000000000000000000000000000000000000..d12c3287ee5ecccf2c69e5de8e36f85695906150 --- /dev/null +++ b/chunks/txt/0d6c1e0b6ac48182069249a144235905c98c7b117baa536c3fa725f457a2a12b.txt @@ -0,0 +1,53 @@ +Interior/Exterior Complete Inspection +Reports: +The appraiser must provide the following +information: + +Overall Condition rating – The appraiser must +select one of the following ratings that best +describes the overall condition of the subject +property or unit. For condominium properties, +the rating must reflect the overall condition for +the individual unit being appraised. Only one +selection is permitted. The condition rating +must describe the physical condition of the +subject property as-of the effective date of the +appraisal on an absolute basis, not on a +relative basis or how the property relates to +other properties in the neighborhood. The +rating for the subject property must match the +overall condition rating that is reported in the +Sales Comparison Analysis section. + +• C1 + +• C2 + +• C3 + +• C4 + +• C5 + +• C6 +The definitions for the ratings listed above are +provided in Exhibit 1: Requirements – +Condition and Quality Ratings Usage. The +appraiser must indicate ‘Yes’ or ‘No’ if there +has been any material work done to the +kitchen(s) or bathroom(s) in the prior 15 +years. If ‘No’, the text ‘No updates in the prior +15 years’ must be provided. If ‘Yes’, additional +information for kitchens and bathrooms must +be provided. + +If information indicating whether material work +has been done to the kitchen(s) or +bathroom(s) in the prior 15 years is not +available to the appraiser in the normal +course of business, the appraiser is to either +select “Yes” or “No” based on the appraiser’s +observations of the subject property and any +other available information. The appraiser +should indicate the basis for this +determination in the appraisal report and diff --git a/chunks/txt/0d6cc43843807d1f5d7d1da93c4d0fa5b455da5d8a83b66e6182b63c6853898d.txt b/chunks/txt/0d6cc43843807d1f5d7d1da93c4d0fa5b455da5d8a83b66e6182b63c6853898d.txt new file mode 100644 index 0000000000000000000000000000000000000000..55d511a8499ff4d8ee13597d339affec6152e6d8 --- /dev/null +++ b/chunks/txt/0d6cc43843807d1f5d7d1da93c4d0fa5b455da5d8a83b66e6182b63c6853898d.txt @@ -0,0 +1,40 @@ +Table 59. XML File Container Structure for Mortgage Insurance Data. + +UCD UIDs + +Containers + +UCD Usage Notes + +999.245 MI_DATA + +Holds child containers categorizing data points into MI policy, payee, credit +enhancements, taxes, premiums and required providers. + +999.246 MI_DATA_DETAIL + +Holds data points describing the mortgage insurance policy. + +N O T E : The NEGATIVE_AMORTIZATION structure that followed MI_DATA in the UCD v1.5 Spec has been removed. + +The mortgage insurance certificate identifier is issued by a private mortgage insurance (MI) company on conventional loan +policies. + +Figure 95. Rendering MICertificateIdentifier on the CD. + +3.0 Loan Information + +3.6 MIC # 000654321 + +If there is borrower-paid mortgage insurance on a loan, the MICertificateIdentifier must be present in the XML file. +Additionally, to identify the provider of the MI certificate when MI is required (see Table 54), the GSEs require that the name +of the MI provider also be provided; this is not rendered on the CD. + +When dealing with service providers and products that are included in an enumerated list, data points ending in +“OtherDescription” are often needed. MI companies that are not MISMO v3.3.0 valid enumerations are specified in +MICompanyNameTypeOtherDescription. Each GSE’s UCD collection solution then validates the specified names as if they +were also enumerated. This format type is shown in UCD v2.0 Format column as “UCD Enumerated”. The associated +Implementation Note will also provide the guidance, “The only accepted values in the UCD XML file are shown under UCD +v2.0 Supported Enumerations”. + +Table 60. UCD v2.0 Spec Excerpt - Mortgage Insurance Data Requirements. diff --git a/chunks/txt/0d7e19e1e29b1d4004e202c7e93901e8b47a745deee5042d52c1b54631ebc271.txt b/chunks/txt/0d7e19e1e29b1d4004e202c7e93901e8b47a745deee5042d52c1b54631ebc271.txt new file mode 100644 index 0000000000000000000000000000000000000000..10c070cbfe92a4e8752988722da8d70168a6d697 --- /dev/null +++ b/chunks/txt/0d7e19e1e29b1d4004e202c7e93901e8b47a745deee5042d52c1b54631ebc271.txt @@ -0,0 +1,60 @@ +Page 51 of 90 + +Version 1.4 + +Vehicle Storage DDD table (same format as Site DDD table) + +• Column heads: “Feature,” “Location,” “Description,” “Affects Soundness or Structural + +Integrity,” “Recommended Action” set as TCH in 5 column table x 45 picas. + +• Columns 1, 2, 4, 5: 8 picas wide (~32 characters max per line in each cell). + +• Column 3: + +13 picas wide (~52 characters max per line in each cell). + +• Content sets as TB. + +APPARENT DEFECTS, DAMAGES, DEFICIENCIES + +Vehicle Storage Commentary (H1) + +Set Commentary as TXC x 45 picas. + +Vehicle Storage Exhibits (H1) + +Subsection does not display if there are no exhibits. + +“Subject Property Amenities” sets as TAB. + +Subject Property Amenities table + +• Set 4 equal column table x 45 picas, headings: (TCH) “Amenity Category,” “Subject Property + +Amenity,” “Material,” “Detail”. + +• Columns set equal width (x 15 picas, ~60 characters max per line in each cell). + +• Content sets as TB. + +SUBJECT PROPERTY AMENITIES TABLE + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) (H1) + +If applicable per iGuide, set “None” as TXC. + +If applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “The items listed below +represent the As Is condition as of the effective date of this report”. + +Subject Property Amenities DDD table (same format as Site DDD table) + +• Column heads: “Feature,” “Location,” “Description,” “Affects Soundness or Structural + +Integrity,” “Recommended Action” set as TCH in 5 column table x 45 picas. + +• Columns 1, 2, 4, 5: 8 picas wide (~32 characters max per line in each cell). + +• Column 3: + +13 picas wide (~52 characters max per line in each cell). diff --git a/chunks/txt/0d81a1fa295ed9a3b08da1c3a7c1ebed12f75db81dbbd999fdcd62f40a825b17.txt b/chunks/txt/0d81a1fa295ed9a3b08da1c3a7c1ebed12f75db81dbbd999fdcd62f40a825b17.txt new file mode 100644 index 0000000000000000000000000000000000000000..1a38716a9bc89e99f4eebae020fc4fa2d349773d --- /dev/null +++ b/chunks/txt/0d81a1fa295ed9a3b08da1c3a7c1ebed12f75db81dbbd999fdcd62f40a825b17.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/uad" +date_accessed: "2026-01-27T17:47:50.831Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/0d81d6ea0b1bf6f659230c9a746c1937f5494017d9e5425653a7393c2926878c.txt b/chunks/txt/0d81d6ea0b1bf6f659230c9a746c1937f5494017d9e5425653a7393c2926878c.txt new file mode 100644 index 0000000000000000000000000000000000000000..b94eba737fee806a30d25636aae14c46e74315e8 --- /dev/null +++ b/chunks/txt/0d81d6ea0b1bf6f659230c9a746c1937f5494017d9e5425653a7393c2926878c.txt @@ -0,0 +1,45 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [Mortgage Translations](/mortgage-translations) + - Borrower Education Materials + +# Borrower Education Materials + +Easy to understand materials to assist homebuyers and homeowners navigate purchasing a home and avoiding foreclosure. + +- ## Finding a Housing Counselor + +Image + +![Asian couple signing contract with agent](/sites/default/files/styles/large/public/2023-11/gettyimages-663845198-asian-couple-signing-contract-with-agent_0.jpg?itok=0kxoNqge) diff --git a/chunks/txt/0d8a83ce0b7f95b51cf9733ec933d8544cc1d31497663b870ecd0b87b25fa210.txt b/chunks/txt/0d8a83ce0b7f95b51cf9733ec933d8544cc1d31497663b870ecd0b87b25fa210.txt new file mode 100644 index 0000000000000000000000000000000000000000..f93d1ba4878fda7d9249cdbbc42d684a4be6b106 --- /dev/null +++ b/chunks/txt/0d8a83ce0b7f95b51cf9733ec933d8544cc1d31497663b870ecd0b87b25fa210.txt @@ -0,0 +1,41 @@ + + + +Buyer + 366.00 + BeforeClosing< + +/IntegratedDisclosureSubsectionPaymentTimingType> + + + + + + + +… + + + + + +1566.00 +TotalClosingCosts +ClosingCostsSubtotal + + + + + +Buyer +3200.00 +AtClosing< + +/IntegratedDisclosureSubsectionPaymentTimingType> + + + + +Buyer +4522.00 +BeforeClosing< diff --git a/chunks/txt/0d904db1de0c6f3d333294cf64f1c93abebaec7941ea26f0d9dcd7fd4a35d807.txt b/chunks/txt/0d904db1de0c6f3d333294cf64f1c93abebaec7941ea26f0d9dcd7fd4a35d807.txt new file mode 100644 index 0000000000000000000000000000000000000000..d3e4ac65f3baa4a4bbd9a0bfe24a32d342ae530b --- /dev/null +++ b/chunks/txt/0d904db1de0c6f3d333294cf64f1c93abebaec7941ea26f0d9dcd7fd4a35d807.txt @@ -0,0 +1,221 @@ +WholeHome + +1 + +Detached + +false + +1 + +true + +1 + +false + +false + +C4 + +Q4 + +true + +true + +Leasehold + +false + +false + +false + +false + +1200 + +2099-06 + +true + +Leasehold properties are common in the subject's immediate market area with most leases having automatic renewal terms of 50 or 100 years. The lease fees are generally minimal in comparison to property values and appear to have no impact on the value or marketability of the properties. The appraisal utilizes 3 sales of comparable leasehold properties from the subject's neighborhood in the sales comparison approach. + +false + +false + +TraditionalAppraisal + +true + +true + +false + +false + +765000 + +2019-08-20 + +true + +true + +TypicallyMotivated + +2013-01-24 + +600000 + +Sale + +TypicallyMotivated + +None + +true + +true + +true + +true + +true + +Asphalt + +Local + +true + +PublicStreet + +true + +false + +false + +None + +Subject and all comparables are located in a residential area. + +Bordering + +Residential + +Neutral + +14000 + +1 + +Public + +Electricity + +Subject has solar power but has also maintained connection to public electrical lines. + +NonPublic + +Electricity + +Neutral + +Solar + +false + +Public + +SanitarySewer + +Public + +Water + +Neutral + +true + +Full + +Residential + +Residential - Single Family + +R-01 + +Legal + +35361 Place Rd + +Somewhere + +12345 + +VA + +Driveway + +Asphalt + +6 + +false + +Attached + +Garage + +2 + +0 + +ContractDate + +0 + +SaleDate + +0 + +PropertyRightsAppraised + +-30000 + +SiteSize + +0 + +YearBuilt + +0 + +EnergyEfficientAndGreenFeatures + +0 + +LivingUnitStandardFinishedAreaAboveGrade + +Comp 1 Primary + +-14400 + +LivingUnitStandardFinishedAreaBelowGrade + +Comp 1 Primary + +0 + +LivingUnitUnfinishedAreaBelowGrade + +Comp 1 Primary + +-30000 + +LivingUnitStandardFinishedAreaAboveGrade diff --git a/chunks/txt/0d9128424fd522b19d056f4ec5fc21fd9a215a2c4b90cce776dae7741618d96b.txt b/chunks/txt/0d9128424fd522b19d056f4ec5fc21fd9a215a2c4b90cce776dae7741618d96b.txt new file mode 100644 index 0000000000000000000000000000000000000000..764336ac15cef3650ffab83716fb0d45286e534f --- /dev/null +++ b/chunks/txt/0d9128424fd522b19d056f4ec5fc21fd9a215a2c4b90cce776dae7741618d96b.txt @@ -0,0 +1,99 @@ +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Adverse, +Beneficial, or +Neutral + +Free-form + +Definition / Additional Guidance + +None +Coastal Barrier Resources System +Drainage +Excess Land +Landlocked +Landscaping +Road Frontage +Shape +Soil Suitability +Surplus Land +Topography + +Site Characteristic: A given characteristic associated with the site. +• +• +• +• +• +• +• +• +• +• +• +• Wetlands +• +• +Notes: +• + +Zero Lot Line +Other (Describe) + +• + +Select the Site Characteristics that impact value and / or marketability, or +as needed. +Photos or images for the indicated site characteristic may be provided, +which display in Site Exhibits with the caption “Site Characteristic”. An +additional caption including the site characteristic type and any other +descriptive information as appropriate must be provided. + +Topography Type: The shape and features of land surface. +• +• +• +• +• + +Flat +Rocky +Rolling +Sloping +Other (Describe) + +Site Drainage Reason: The drainage reason that may impact the property. +• + +Evidence of Erosion (observable degradation of the site, such as water +runoff or sinkhole) +Improper Grading (water drains towards the foundation) +Standing Water +Other (Describe) + +• +• +• + +When Adverse or Beneficial, describe the impact to value and / or +marketability. Additional commentary may be provided to include details and +other information. + +Allowable Answer + +Definition / Additional Guidance + +Site Characteristic (Choose all that apply) + +None + +If there are no significant site characteristics, select None and the Site Characteristic row does not display. + +Coastal Barrier Resources +System diff --git a/chunks/txt/0d923d0908370a2c536896b46f06c052bed169888c9941ea7a8d6bb22c843b59.txt b/chunks/txt/0d923d0908370a2c536896b46f06c052bed169888c9941ea7a8d6bb22c843b59.txt new file mode 100644 index 0000000000000000000000000000000000000000..790d167ea2f0af3e405d6f917755146b2338f6ac --- /dev/null +++ b/chunks/txt/0d923d0908370a2c536896b46f06c052bed169888c9941ea7a8d6bb22c843b59.txt @@ -0,0 +1,87 @@ +12.2 Loan Amount + +12.1.1 + +$579,000 + +3. + +INTEREST RATES + +Interest Rate is the basis for calculating the periodic payments of principal and interest for which the borrower is +obligated. The loan’s features and whether the rate is known at consummation determine which and how many interest rate +data points will be rendered on the CD. Figure 104 is a checklist of how the three different UCD interest rates must be +provided. + +UCD v2.0 Implementation Guide + +- 125 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 104. UCD v2.0 Interest Rate Requirements. + +Figure 105. XML File ARM Rate as Rendered on the Loan Terms Table. + +4.0 Loan Terms + +4.2 Interest Rate + +4.0 + +Can this amount increase after closing? + +4.2.1 3.875% + +4.2.2 Yes + +4.2.3 + +Figure 106. XML File ARM Rate as Rendered on the AIR Table.. + +Adjustable Interest Rate (AIR) Table + +20.0 + +Initial Interest Rate + +20.2 3.875% + +With ARM loans, the NoteRate OR the DisclosedFullyIndexedRatePercent are rendered in two separate places on the CD. + +DisclosedFullyIndexedRatePercent is only used for ARMs when the initial interest rate is unknown at the time of closing. + +Table 65. UCD v2.0 Excerpt – DisclosedFullyIndexedRatePercent Data Requirements. + +UCD UID MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/L +OAN/TERMS_OF_LOAN + +4.037 + +DisclosedFullyIndexedRatePercent + +3.8750 + +4.006 + +NoteRatePercent + +3.8750 + +Mutually exclusive with +BuydownInitialEffectiveInterestRatePercen +t and NoteRatePercent. + +Mutually exclusive with +BuydownInitialEffectiveInterestRatePercen +t and DisclosedFullyIndexedRatePercent. diff --git a/chunks/txt/0d9e35dce9ffb6c683fe1aa045306d933e2f54fb802ceb9335746f3527e4fb9e.txt b/chunks/txt/0d9e35dce9ffb6c683fe1aa045306d933e2f54fb802ceb9335746f3527e4fb9e.txt new file mode 100644 index 0000000000000000000000000000000000000000..42af24105ebc805e7e00b0a20c2957e9706937b8 --- /dev/null +++ b/chunks/txt/0d9e35dce9ffb6c683fe1aa045306d933e2f54fb802ceb9335746f3527e4fb9e.txt @@ -0,0 +1,25 @@ +C2: The improvements feature no deferred maintenance, little or no physical depreciation, +and require no repairs. Virtually all building components are new or have been recently +repaired, refinished, or rehabilitated. All outdated components and finishes have been +updated and/or replaced with components that meet current standards. Dwellings in this +category are either almost new or have been recently completely renovated and are similar in +condition to new construction. + +Note: The improvements represent a relatively new property that is well maintained with no +deferred maintenance and little or no physical depreciation, or an older property that has +been recently completely renovated. + +C3: The improvements are well maintained and feature limited physical depreciation due to +normal wear and tear. Some components, but not every major building component, may be +updated or recently rehabilitated. The structure has been well maintained. + +Note: The improvement is in its first cycle of replacing short-lived building components +(appliances, floor coverings, HVAC, etc.) and is being well maintained. Its estimated +effective age is less than its actual age. It also may reflect a property in which the majority of +short-lived building components have been replaced but not to the level of a complete +renovation. + +C4: The improvements feature some minor deferred maintenance and physical deterioration +due to normal wear and tear. The dwelling has been adequately maintained and requires only +minimal repairs to building components/mechanical systems and cosmetic repairs. All major +building components have been adequately maintained and are functionally adequate. diff --git a/chunks/txt/0da6b813bb828fc4759faadd23d4bc76cfd3405c366ca22cfced82acbda1d289.txt b/chunks/txt/0da6b813bb828fc4759faadd23d4bc76cfd3405c366ca22cfced82acbda1d289.txt new file mode 100644 index 0000000000000000000000000000000000000000..7cd3066cda9216cf65bc98ff001af984f06f313b --- /dev/null +++ b/chunks/txt/0da6b813bb828fc4759faadd23d4bc76cfd3405c366ca22cfced82acbda1d289.txt @@ -0,0 +1,78 @@ + + + + + + + + +ThirdPartyProvider + Prepaids + 6 + +CountyPropertyTax + + + + + + +UCD v2.0 Implementation Guide + +- 52 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 38. XML Snippet-Prepaid Line Items. + + + +Any County USA + + + + + + + + + +315.90 + Buyer + AtClosing + + + + +315.90 + Seller + BeforeClosing + + + + + + + +… + + +UCD v2.0 Implementation Guide + +- 53 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +G. PRORATION ITEM DATA + +In a purchase transaction, prorations are any amounts due from the seller to reimburse the borrower at closing, prorated for +the period corresponding to each amount. Examples include city, town, or county taxes, assessments, and any additional +items paid by the borrower prior to closing that are due from the seller at closing. diff --git a/chunks/txt/0daa70d6eae4a12d0c2c7a9aa9661af8bfbec4fd63cbf38ec8ac49d050d49382.txt b/chunks/txt/0daa70d6eae4a12d0c2c7a9aa9661af8bfbec4fd63cbf38ec8ac49d050d49382.txt new file mode 100644 index 0000000000000000000000000000000000000000..adbdb567e575fbf5d632c61bbf47f5d0977b8f10 --- /dev/null +++ b/chunks/txt/0daa70d6eae4a12d0c2c7a9aa9661af8bfbec4fd63cbf38ec8ac49d050d49382.txt @@ -0,0 +1,39 @@ +8.10 G. Initial Escrow Payments at Closing - itemizes the amounts that the lender will require to be placed +into a reserve or escrow account at consummation to be applied to future recurring periodic charges for +Homeowner’s and other property Insurance as required, Mortgage Insurance, Property Taxes, +homeowner’s association dues, condominium dues, and other periodic charges. + +8.16 H. Other – itemizes fees not captured in any other section of Closing Cost Details, including services the +borrower chose to add and seller-specific closing costs when a seller is part of the transaction. + +Appendix E: UCD Implementation Guide + +Page 109 of 254 + +Version 1.4 + +Uniform Closing Dataset + +7.0 - 9.0 Closing Cost Details Tables Overview - UPDATED + +Subcategory Totals. Line items shaded in gray indicate Borrower-Paid subtotals for the associated +subcategory (7.1.1, 7.4.1, 7.6.1 and 8.1.1, 8.4.1, 8.10.1, 8.16.1). If there are no fees to disclose within the +section, provide “0.” + +7.9 | 8.19 At or Before Closing Subtotals. Splits the two Borrower-Paid category totals into payments made +At Closing) and Before Closing. The Paid by Others (9.2.6) costs are not broken down by payment timing. + +C. CATEGORI ES + +7.8 D. TOTAL LOAN COSTS (Borrower-Paid) The sum of the Borrower-Paid subtotals for the Loan Costs +table. + +8.18 I. TOTAL OTHER COSTS (Borrower-Paid) The sum of the Borrower-Paid subtotals for the Other Costs +table. + +9.1 J. TOTAL CLOSING COSTS (Borrower-Paid) The sum of D and I. The total of all Borrower-Paid costs. + +D. LI NE I TEMS + +Line items are the individual charges or fees assigned to a category. Figure 75 shows only one line item per +category for purposes of illustration. Multiple line items are the norm. diff --git a/chunks/txt/0db8e9a4ff995d114c183356ef7ac520f7797d3b2c368e129d52f04a9ff0cd11.txt b/chunks/txt/0db8e9a4ff995d114c183356ef7ac520f7797d3b2c368e129d52f04a9ff0cd11.txt new file mode 100644 index 0000000000000000000000000000000000000000..29a3d65b84c578ddf559d89a9d9c2db13d735f9c --- /dev/null +++ b/chunks/txt/0db8e9a4ff995d114c183356ef7ac520f7797d3b2c368e129d52f04a9ff0cd11.txt @@ -0,0 +1,3 @@ +Overview ................................................................................................................................................................................................................................... 31 + +Data Mapping and PDF Rendering ........................................................................................................................................................................................... 31 diff --git a/chunks/txt/0dba78e2ec4bc46e14268ba0e4e3c1b297e5479efaad4587352276bf564bdbed.txt b/chunks/txt/0dba78e2ec4bc46e14268ba0e4e3c1b297e5479efaad4587352276bf564bdbed.txt new file mode 100644 index 0000000000000000000000000000000000000000..39a51bf3d5989510302406a719bc9cb4000466fd --- /dev/null +++ b/chunks/txt/0dba78e2ec4bc46e14268ba0e4e3c1b297e5479efaad4587352276bf564bdbed.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/17756","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); })(); diff --git a/chunks/txt/0dca3008ec503760b427352fc3847a41701d6c256e92b4a0e5534d904ce38f80.txt b/chunks/txt/0dca3008ec503760b427352fc3847a41701d6c256e92b4a0e5534d904ce38f80.txt new file mode 100644 index 0000000000000000000000000000000000000000..379a27c175d32712bf9f450163a112688140f3e0 --- /dev/null +++ b/chunks/txt/0dca3008ec503760b427352fc3847a41701d6c256e92b4a0e5534d904ce38f80.txt @@ -0,0 +1,106 @@ +PROJECT +INFORMATION + +Project Description +Row or Townhouse + +Project Design +Type + +This field specifies the type of design for +the multiple unit buildings in a project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='Townhou +seRowhouse'] + +PROJECT +INFORMATION + +Project Description +Garden + +Project Design +Type + +This field specifies the type of design for +the multiple unit buildings in a project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='GardenPr +oject'] + +PROJECT +INFORMATION + +Project Description +Mid-Rise + +Project Design +Type + +This field specifies the type of design for +the multiple unit buildings in a project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='MidrisePr +oject'] + +PROJECT +INFORMATION + +Project Description +High-Rise + +Project Design +Type + +This field specifies the type of design for +the multiple unit buildings in a project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='HighriseP +roject'] + +PROJECT +INFORMATION + +Project Description +Other + +Project Design +Type + +This field specifies the type of design for +the multiple unit buildings in a project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='Other'] + +PROJECT +INFORMATION + +Project Description +Other (describe) + +Project Design +Type Other +Description + +A free-form text field used to describe the +design if Other is selected as the Project +Design Type. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='Other']/@ +_DesignTypeOtherDescription + +PROJECT +INFORMATION + +# of Stories + +GSE Stories Count + +The number of whole or partial stories of +the property. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_EXTE +NSION/STRUCTURE_EXTENSION_SECTION[@ExtensionSectionOrganizatio +nName='UNIFORM APPRAISAL +DATASET']/STRUCTURE_EXTENSION_SECTION_DATA/STRUCTURE_IN +FORMATION/@GSEStoriesCount diff --git a/chunks/txt/0dde72b87047813bbf063ff46854265eaae489eeb359eeadedb720b2d40c0c40.txt b/chunks/txt/0dde72b87047813bbf063ff46854265eaae489eeb359eeadedb720b2d40c0c40.txt new file mode 100644 index 0000000000000000000000000000000000000000..ed77ed140a6e82f8f281783e866535678066f391 --- /dev/null +++ b/chunks/txt/0dde72b87047813bbf063ff46854265eaae489eeb359eeadedb720b2d40c0c40.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy/guarantee-fees" +date_accessed: "2026-01-27T17:47:56.880Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/0de67861d1a9c4c3d4b65b2b9b323c770a6cb14d5329c960143bd2840c4dac20.txt b/chunks/txt/0de67861d1a9c4c3d4b65b2b9b323c770a6cb14d5329c960143bd2840c4dac20.txt new file mode 100644 index 0000000000000000000000000000000000000000..fb928663fcc7e4ca67af87fae335d56f6a0a7fac --- /dev/null +++ b/chunks/txt/0de67861d1a9c4c3d4b65b2b9b323c770a6cb14d5329c960143bd2840c4dac20.txt @@ -0,0 +1,140 @@ +Area Data Source + +Level and Room Detail + +1,260 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +Physical Measurement + +Levels in Unit +Occupancy +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half + +1 +Owner +3 +2 +0 + +Level in Unit +Level 1 + +Grade Level Detail +Above Grade + +Finish +Finished + +Area +1,260 Sq. Ft. + +Room Summary +2 - Bath - Full +3 - Bedroom +1 - Dining Room +1 - Kitchen +1 - Living Room + +Quality and Condition + +Interior Quality Rating + +Q4 + +Interior Condition Rating + +C3 + +The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report + +Kitchen and Bathroom Details + +Room +Kitchen +Level 1 + +Bath – Full +Level 1 + +Bath – Full +Level 1 + +Update Status +Not Updated + +Time Frame + +Not Updated + +Not Updated + +Quality Comment +Upgraded cabinetry, +ceramic tile flooring, +and upgraded +appliances + +Standard grade +cabinetry and +plumbing fixtures + +Standard grade +cabinetry and +plumbing fixtures + +Condition Status +Typical Wear and Tear + +Condition Comment + +Typical Wear and Tear + +Typical Wear and Tear + +Overall Update Status for +Bathrooms + +Not Updated + +Interior Features + +Feature +Flooring + +Walls and Ceiling + +Detail +Carpet + +Ceramic Tile + +8 Ft. | Flat + +Overall Update Status for +Flooring + +Not Updated + +Quality Comment + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Condition Comment + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5) + +Uniform Residential Appraisal Report + +Page 6 of 19 +Page 6 of 19 + +Unit Interior (continued) diff --git a/chunks/txt/0e07f3fdb6124927ee4999c518b0fa3ec3c4bb513117c06dbebfd181b360c945.txt b/chunks/txt/0e07f3fdb6124927ee4999c518b0fa3ec3c4bb513117c06dbebfd181b360c945.txt new file mode 100644 index 0000000000000000000000000000000000000000..7a9f08637c90b2eab78461ca23207ab6e7d5a9f6 --- /dev/null +++ b/chunks/txt/0e07f3fdb6124927ee4999c518b0fa3ec3c4bb513117c06dbebfd181b360c945.txt @@ -0,0 +1,42 @@ +- Spacer + - [TPO Direct Access Sign-up](/tools-learning/technology-tools/third-party-originator-direct-access) + - [TPO Sponsored Access Sign-up](/tools-learning/technology-tools/third-party-originator-sponsored-access) + - [Software Provider](/tools-learning/integration-partners/software-providers) + +- Spacer + - [API Solutions](/tools-learning/apis/how-apis-work) + - [ECO: Evaluate | Compare | Optimize](/tools-learning/eco/overview) + +- Spacer + - [Uniform Mortgage Data Program (UMDP)](/tools-learning/uniform-mortgage-data-program/overview) + - [Uniform Instruments](/tools-learning/uniform-instruments/overview) + +- Browse + - [All Insights & Research](/news-insights#insights) + - [All News & Announcements](/news-insights#latest-news) + +- Featured Topics + - [Mortgage Technology](/news-insights?topics%5B396%5D=396#insights) + - [Business](/news-insights?topics%5B326%5D=326#insights) + - [Market of the Future](/news-insights?topics%5B381%5D=381#insights) + +- Media + - [Home Starts Here Podcast](/news-insights/home-starts-here-podcast/overview) + +Enter your search + +Search + +- [Uniform Mortgage Data Program® (UMDP® )](/tools-learning/uniform-mortgage-data-program/overview) + +- [UAD](/tools-learning/uniform-mortgage-data-program/uad) + - [UCD](/tools-learning/uniform-mortgage-data-program/ucd) + - [URLA](/tools-learning/uniform-mortgage-data-program/ulad) + - [ULDD](/tools-learning/uniform-mortgage-data-program/uldd) + - [UCDP](/tools-learning/uniform-mortgage-data-program/ucdp) + - [UPD](/tools-learning/uniform-mortgage-data-program/upd) + UAD - [UCD](/tools-learning/uniform-mortgage-data-program/ucd) +- [URLA](/tools-learning/uniform-mortgage-data-program/ulad) +- [ULDD](/tools-learning/uniform-mortgage-data-program/uldd) +- [UCDP](/tools-learning/uniform-mortgage-data-program/ucdp) +- [UPD](/tools-learning/uniform-mortgage-data-program/upd) diff --git a/chunks/txt/0e08b14a5883ce8e7171391e60e512f4d5072da64996fd9de8d5fa743f9b5df5.txt b/chunks/txt/0e08b14a5883ce8e7171391e60e512f4d5072da64996fd9de8d5fa743f9b5df5.txt new file mode 100644 index 0000000000000000000000000000000000000000..f2ef322473a3705fb1830023d7493f0ed6bd5fcc --- /dev/null +++ b/chunks/txt/0e08b14a5883ce8e7171391e60e512f4d5072da64996fd9de8d5fa743f9b5df5.txt @@ -0,0 +1,18 @@ +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/12711","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); })(); diff --git a/chunks/txt/0e0a17c5e49a1b385f425d94cc70e1942ea3d2b0ec85c0de4a341237d5f7f351.txt b/chunks/txt/0e0a17c5e49a1b385f425d94cc70e1942ea3d2b0ec85c0de4a341237d5f7f351.txt new file mode 100644 index 0000000000000000000000000000000000000000..574aea12538013b68c92782943aa0a8750942b80 --- /dev/null +++ b/chunks/txt/0e0a17c5e49a1b385f425d94cc70e1942ea3d2b0ec85c0de4a341237d5f7f351.txt @@ -0,0 +1,115 @@ +177 + +IMPROVEMENTS + +178 + +IMPROVEMENTS + +Amenities +Pool Description + +Amenities +Fence + +Amenity Detailed +Description + +A free-form text field used to describe, in +detail, the amenity specified by Amenity +Type. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T +ype='Pool']/@_DetailedDescription + +Amenity Exists +Indicator + +Indicates that the amenity specified by +Amenity Type is present in the structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T +ype='Fence']/@_ExistsIndicator + +179 + +IMPROVEMENTS + +Amenities +Fence Description + +Amenity Detailed +Description + +A free-form text field used to describe, in +detail, the amenity specified by Amenity +Type. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T +ype='Fence']/@_DetailedDescription + +180 + +IMPROVEMENTS + +Amenities +Other + +Amenity Exists +Indicator + +Indicates that the amenity specified by +Amenity Type is present in the structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T +ype='Other']/@_ExistsIndicator + +181 + +IMPROVEMENTS + +Amenities +Other Description + +Amenity Type Other +Description + +A free-form text field used to describe the +amenity if Other is selected as the +Amenity Type. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T +ype='Other']/@_TypeOtherDescription + +Format + +String + +Data Point +Field +Length + +12 + +1 + +10 + +1 + +10 + +UAD Instruction - Refer to Appendix D Improvements Section +This field should contain a description of the pool. If there is no pool, indicate +'None' + +Boolean + +A value of 'Y' indicates a fence exists, a value of 'N' indicates the box is not +checked. + +String + +UAD Instruction - Refer to Appendix D Improvements Section +This field should contain a description of the fence. If there is no fence indicate +'None' diff --git a/chunks/txt/0e140ecf574c09940d36fe6198f9a08b37e0987eea7f16fd5ea0b3484553b018.txt b/chunks/txt/0e140ecf574c09940d36fe6198f9a08b37e0987eea7f16fd5ea0b3484553b018.txt new file mode 100644 index 0000000000000000000000000000000000000000..c959394834dc6a625782268f84d3428eefbe22fd --- /dev/null +++ b/chunks/txt/0e140ecf574c09940d36fe6198f9a08b37e0987eea7f16fd5ea0b3484553b018.txt @@ -0,0 +1,35 @@ +19. +relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or +the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this +appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a +change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no +responsibility for it. + +I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that + +20. +ordered and will receive this appraisal report. + +Freddie Mac Form 70D July 2020 + +226 + +Page 5 of 6 + +Fannie Mae Form 1004 Desktop July 2020 + +2 + +Uniform Residential Appraisal Report (Hybrid) + +File # 3 + +4 4a + +21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; +the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market +participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality +of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser’s or +supervisory appraiser’s (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or +distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other +media). diff --git a/chunks/txt/0e3004022b02e4e1aad6fb8310bb3cea12d5f89ee1e81250146ae80cd2a89019.txt b/chunks/txt/0e3004022b02e4e1aad6fb8310bb3cea12d5f89ee1e81250146ae80cd2a89019.txt new file mode 100644 index 0000000000000000000000000000000000000000..7262a20cde83b45cca357078b0cc81bd3c4d2f7e --- /dev/null +++ b/chunks/txt/0e3004022b02e4e1aad6fb8310bb3cea12d5f89ee1e81250146ae80cd2a89019.txt @@ -0,0 +1,77 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL +E_PRICE_ADJUSTMENT[@_Type='DateOfSale']/@_Amount + +10 + +Money + +292 + +2 + +e-14 + +SALES +COMPARISON +APPROACH + +Location + +(Overall Rating) + +GSE Overall +Location Rating +Type + +The overall rating of the location +associated with the property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM +PARISON_LOCATION_OVERALL_RATING_EXTENSION/COMPARI +SON_LOCATION_OVERALL_RATING_EXTENSION_SECTION[@Ext +ensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_LOCATION_OVERALL_RATING_EXTEN +SION_SECTION_DATA/COMPARISON_LOCATION_OVERALL_RAT +ING/@GSEOverallLocationRatingType + +9 + +Money + +PDF Display Format: +Whole dollars only. + +The total amount of concessions, if any. If there are no sales or financing +concessions, a zero (0) must be entered. + +Refer to Appendix E for PDF Rendering and Parsing Instructions +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +PDF Display Format: +Whole dollars only. +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This field indicates the listing status of the comparable. + +If the value of field e-29 is 'SettledSale', this +field is required. + +The sum of this field 2-55 and fields (2-53, 2- +57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-71, 2- +73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-88, 2- +90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up +to Net Adjustment field 2-103. + +11 + +Enumerated + +Allowable Values PDF Allowable Values +Active Active +Expired e +Withdrawn w +Contract c +SettledSale s diff --git a/chunks/txt/0e33c29c957b8bf61726cbdfa9115cdb98fadde74332765d5a661433b2ad2ed2.txt b/chunks/txt/0e33c29c957b8bf61726cbdfa9115cdb98fadde74332765d5a661433b2ad2ed2.txt new file mode 100644 index 0000000000000000000000000000000000000000..2724a9302704fc10b072b1256b8c97fdf559a4fe --- /dev/null +++ b/chunks/txt/0e33c29c957b8bf61726cbdfa9115cdb98fadde74332765d5a661433b2ad2ed2.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/news/news-release/fhfa-releases-data-visualization-dashboard-for-enterprises-multifamily-mortgage-acquisitions" +date_accessed: "2026-01-27T18:10:34.566Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/0e36fe46f6d276ceec548a4b8693c2fc6d98d045ac59c99fcc578d4a3f079f18.txt b/chunks/txt/0e36fe46f6d276ceec548a4b8693c2fc6d98d045ac59c99fcc578d4a3f079f18.txt new file mode 100644 index 0000000000000000000000000000000000000000..cea23bbbb207f722d760bc26b4dec92fe8b763cf --- /dev/null +++ b/chunks/txt/0e36fe46f6d276ceec548a4b8693c2fc6d98d045ac59c99fcc578d4a3f079f18.txt @@ -0,0 +1,116 @@ +The Developer/Sponsor in Control row always displays in the Project Factors table. + +Project Factors: Developer/Sponsor in Control + +Report +Field ID + +Report Label + +When to Include + +18.064 Developer / + +Sponsor in +Control (Detail) + +18.074 Developer / + +Sponsor in +Control (Impact) + +18.084 Developer / + +Sponsor in +Control +(Comment) + +Required if the +property is in a +condominium, +cooperative, condop, +or PUD + +Required if Developer +in Control is Yes + +Required if Impact is +Adverse or Beneficial, +or as needed + +Allowable +Answers / Format + +Yes | No + +Definition / Additional Guidance + +Indicates whether the developer, builder, or sponsor is in control of the +management of the cooperative corporation or the HOA. + +Adverse, +Beneficial, or +Neutral + +Free-form + +When Adverse or Beneficial, describe the impact to value and / or +marketability. Additional commentary may be provided to include details and +other information. +Note: For further expansion of commentary, use Project Factors Commentary +(18.094). + +Appendix F-1: URAR Reference Guide + +Page 192 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +18 Project Information + +Incomplete Project + +The Incomplete Project row displays in the Project Factors table if Project Complete (18.016) is No. + +Project Factors: Incomplete Project + +Allowable +Answers / Format + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Adverse, +Beneficial, or +Neutral + +Free-form + +Report +Field ID + +18.065 + +Report Label + +When to Include + +Incomplete +Project (Detail) + +Required if Project +Complete is No + +18.075 + +Incomplete +Project (Impact) + +Required if Project +Complete is No diff --git a/chunks/txt/0e3a180588996c4b3b999e1a1e0affa50134a2c3d96f664b9bb0494315a7b7c0.txt b/chunks/txt/0e3a180588996c4b3b999e1a1e0affa50134a2c3d96f664b9bb0494315a7b7c0.txt new file mode 100644 index 0000000000000000000000000000000000000000..4d390791eeab2845d901cd36f4af8020c230ec1c --- /dev/null +++ b/chunks/txt/0e3a180588996c4b3b999e1a1e0affa50134a2c3d96f664b9bb0494315a7b7c0.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/house-price-index" +date_accessed: "2026-01-27T17:54:20.435Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/0e3d0a6f34b5e03e4b7a9291da864fe9e426e0517b6f45ca31414f77ef9c056e.txt b/chunks/txt/0e3d0a6f34b5e03e4b7a9291da864fe9e426e0517b6f45ca31414f77ef9c056e.txt new file mode 100644 index 0000000000000000000000000000000000000000..34e124113ce3668710dde849e5787df3e1f9f5b0 --- /dev/null +++ b/chunks/txt/0e3d0a6f34b5e03e4b7a9291da864fe9e426e0517b6f45ca31414f77ef9c056e.txt @@ -0,0 +1,99 @@ +Display "Greatest Number of Shares Owned-" and value. Cannot be 0. +Display when ValuationAnalysisCategoryType (UID: 2500.0130, FID: Not on +report) = "SingleEntityGreatestNumberOfSharesOwned" +Display when ((ValueMarketabilityImpactType = "Adverse" OR "Beneficial") +OR +(ValueMarketabilityImpactType = "Neutral" AND Exists)) +Display when PropertyInProjectIndicator = “true” + +2500.0055 + +ProjectCommercialSpaceIndicator + +When false, display “None”, when “true” do not display + +18.069 + +Detail + +2500.0057 + +ProjectCommercialSpacePercent + +18.079 + +Impact + +2500.0129 ValueMarketabilityImpactType + +18.089 + +Comment + +2500.0128 ValuationCommentText + +Appendix B-1: URAR Implementation Guide v1.3 + +Display ProjectCommercialSpaceIndicator = "true" +− Number displays followed by "%" +Display when ValuationAnalysisCategoryType (UID: 2500.0127, FID: Not on +report) = "ProjectCommercialSpace" +Display when ((ValueMarketabilityImpactType = "Adverse" OR "Beneficial") +OR +(ValueMarketabilityImpactType = "Neutral" AND Exists)) OR Exists + +Project Information: Project Factors and Impact to Value/Marketability + +Page 253 + +Report +Field ID +Project Factor: Known Legal Actions + +Report Label + +Unique ID MISMO Data Point Name + +18.070 + +Detail + +2500.0051 + +LegalActionIndicator + +18.080 + +Impact + +2500.0126 ValueMarketabilityImpactType + +18.090 + +Comment + +2500.0125 ValuationCommentText + +Project Factor: Unit Transfer Fees + +18.071 + +Detail + +2500.0019 OwnershipTransferFeeIndicator + +2500.0017 AssociationChargeAmount + +18.081 + +Impact + +2500.0147 ValueMarketabilityImpactType + +18.091 + +Comment + +2500.0146 ValuationCommentText + +Project Factor: Unit Special Assessments diff --git a/chunks/txt/0e4213d377a25e8fbfd46b14cdbdd28470856528a85fff020b02b3b3316d1661.txt b/chunks/txt/0e4213d377a25e8fbfd46b14cdbdd28470856528a85fff020b02b3b3316d1661.txt new file mode 100644 index 0000000000000000000000000000000000000000..0f35888b060c49306b05326eb00d7cf63f79d940 --- /dev/null +++ b/chunks/txt/0e4213d377a25e8fbfd46b14cdbdd28470856528a85fff020b02b3b3316d1661.txt @@ -0,0 +1,76 @@ +Examples include manufactured and site-built. + +A structure is defined as a building with a foundation, walls, and a roof, designed to protect from the weather, +which can be a dwelling or an outbuilding. + +The selection of Structure Type drives the display of the Dwelling Exterior and Outbuilding sections. +• +• + +If Structure Type is Dwelling, Dwelling Exterior displays. +If Structure Type is Outbuilding, Outbuilding displays. + +Note: Do not include amenities such as gazebos, outdoor kitchens, or other site improvements that are not +outbuildings as “structures”. These are reported in the Subject Property Amenities section. + +Structure Type + +Report +Field ID + +Not on +Report + +Report Label + +When to Include + +Dwelling +Exterior or +Outbuilding +(black tab) + +Always required for +each building on the +property + +Allowable +Answers / Format + +Choose an +allowable answer +from table +(Structure Type) + +• +• + +Dwelling +Outbuilding + +Definition / Additional Guidance + +Structure Type + +Allowable Answer + +Definition / Additional Guidance + +Dwelling + +Outbuilding + +Any building containing living unit(s) designed to be used as residence(s). A portion of the dwelling may also contain +ADU(s). + +A building other than the dwelling (e.g., barn, shed, bunkhouse, or standalone ADU). A portion of the outbuilding may +contain ADUs or other finished space. An ADU not attached to the residence is considered to be an outbuilding. + +Units and ADUs + +All living units and ADUs are considered a “unit”: +• A living unit or ADU in a dwelling, or +• An ADU within or attached to an outbuilding, or +• A standalone ADU that is the outbuilding + +Reference the Unit Interior section for information about each unit. diff --git a/chunks/txt/0e44dde049164fce51767a59bd97132ff810a2502d77cd960a56a36c7132b18a.txt b/chunks/txt/0e44dde049164fce51767a59bd97132ff810a2502d77cd960a56a36c7132b18a.txt new file mode 100644 index 0000000000000000000000000000000000000000..5cdb3b3d3010c438cc6728ef64dfc0d69e77e0ef --- /dev/null +++ b/chunks/txt/0e44dde049164fce51767a59bd97132ff810a2502d77cd960a56a36c7132b18a.txt @@ -0,0 +1,116 @@ +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Condition Comment +No damage or condition +issues noted. + +No damage or condition +issues noted. + +No damage or condition +issues noted. + +Apparent Defects, Damages, Deficiencies (Unit Interior - ADU) + +None + +Unit Interior Commentary + +The ADU was built-out within the past 5 -10 years with standard builder grade materials that are typical for accessory units in this market. The +unit has been well maintained with no apparent defects, damages or deficiencies. + +Unit Interior Exhibits + +Level B1 - Bath - Full + +Level B1 - Bedroom + +This is where the ADU Full Bathroom photo would display. + +This is where the ADU Bedroom photo would display. + +Level B1 - Kitchen + +This is where the ADU Kitchen photo would display. + +Functional Obsolescence + +Functional Issues + +None + +Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 11 of 22 +Page 11 of 22 + +Vehicle Storage + +Storage +Carport + +Driveway + +Garage + +Number of Parking Spaces +2 + +4 + +2 + +Detail +Detached +400 Sq. Ft. + +Asphalt + +Attached +528 Sq. Ft. + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +None + +Vehicle Storage Exhibits + +Carport + +Driveway - Garage + +This is where the Carport photo would display. + +This is where the Garage photo would display. + +Subject Property Amenities + +Amenity Category +Outdoor Living + +Subject Property Amenity +Deck + +Water Features + +Whole Home + +Patio + +Porch + +Inground Pool + +Indoor Fireplace + +Wood Stove + +Material +Wood diff --git a/chunks/txt/0e4db981cb10d14dacb1c9b03d9885877583aba3ad81e613f77e75cb48dfc042.txt b/chunks/txt/0e4db981cb10d14dacb1c9b03d9885877583aba3ad81e613f77e75cb48dfc042.txt new file mode 100644 index 0000000000000000000000000000000000000000..ba951c749a8ee5faafe4c63c8a642693beb2dff6 --- /dev/null +++ b/chunks/txt/0e4db981cb10d14dacb1c9b03d9885877583aba3ad81e613f77e75cb48dfc042.txt @@ -0,0 +1,112 @@ +/VALUATION_RESPONSE/PROPERTY/SITE +/SITE_FEATURE[@_Type='Driveway']/@_Co +mment + +Car Storage Location +Exists Indicator + +Indicates that the type of car storage +described in Car Storage Location +Type and Car Storage Attachment +Type is present. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/CAR_STORAGE/CAR_STORAGE_ +LOCATION[@_Type='Garage']/@_ExistsIndica +tor + +206 + +1 + +200 + +IMPROVEMENTS Garage # of Cars + +Parking Spaces +Count + +Specifies the number of vehicle +parking spaces (i.e., the number of +parking spaces in a garage, carport or +condominium complex). + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/CAR_STORAGE/CAR_STORAGE_ +LOCATION[@_Type='Garage']/@ParkingSpace +sCount + +207 + +1 + +201 + +IMPROVEMENTS Carport + +Car Storage Location +Exists Indicator + +Indicates that the type of car storage +described in Car Storage Location +Type and Car Storage Attachment +Type is present. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/CAR_STORAGE/CAR_STORAGE_ +LOCATION[@_Type='Carport']/@_ExistsIndic +ator + +208 + +1 + +202 + +IMPROVEMENTS Carport # of Cars + +Parking Spaces +Count + +Specifies the number of vehicle +parking spaces (i.e., the number of +parking spaces in a garage, carport or +condominium complex). + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/CAR_STORAGE/CAR_STORAGE_ +LOCATION[@_Type='Carport']/@ParkingSpac +esCount + +209 + +1 + +203 + +IMPROVEMENTS + +Car Storage +Att. + +Car Storage +Attachment Type + +Specifies if the Car Storage Location +specified by Car Storage Location +Type is attached or detached. + +VALUATION_RESPONSE/PROPERTY/STRU +CTURE/CAR_STORAGE[@_AttachmentType= +'Attached'] + +1 + +1 + +2 + +Boolean + +A value of 'N' indicates there is no car storage. A value of 'Y' indicates the +box was not checked. diff --git a/chunks/txt/0e5063b978ed61ca85bd7cb22abda872362965dfd0d0493aa842ee9cef5320af.txt b/chunks/txt/0e5063b978ed61ca85bd7cb22abda872362965dfd0d0493aa842ee9cef5320af.txt new file mode 100644 index 0000000000000000000000000000000000000000..056739f937a29083b9e12d5f68ef950d1070e4c8 --- /dev/null +++ b/chunks/txt/0e5063b978ed61ca85bd7cb22abda872362965dfd0d0493aa842ee9cef5320af.txt @@ -0,0 +1,187 @@ +Page 49 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +238 + +239 + +240 + +241 + +242 + +243 + +244 + +245 + +246 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +3 + +4 + +HEADER + +File # + +Appraiser File +Identifier + +HEADER + +BLANK + +Appraiser Additional +File Identifier Name + +This is an identifier or number used +by the appraiser to identify their +reports. It is generally specific to the +appraiser +Secondary report identifier used by +the appraiser to identify appraisal +reports. This field may carry the FHA +number, case number, loan number or +some other identifier. + +/VALUATION_RESPONSE/REPORT/@Appra +iserFileIdentifier + +/VALUATION_RESPONSE/REPORT/@Appra +iserAdditionalFileIdentifierName + +4a + +HEADER + +BLANK + +Appraiser Additional +File Identifier + +Used to indicate by name the type of +identifier represented by +AppraisersAdditionalFileIdentifier. + +/VALUATION_RESPONSE/REPORT/@Appra +iserAdditionalFileIdentifier + +5 + +6 + +7 + +8 + +9 + +10 + +SALES +COMPARISON +APPROACH + +Number of Comparable +Listings + +Comparable Listings +Researched Count + +SALES +COMPARISON +APPROACH + +Comparable Listings +Price Range +Low + +Comparable Listings +Price Range Low +Amount + +SALES +COMPARISON +APPROACH + +Comparable Listings +Price Range +High + +Comparable Listings +Price Range High +Amount + +Specifies the total number of +comparable property listings +researched. +Specifies the low listing value in the +range of values within the group of +comparable listing properties +researched. +Specifies the high listing value in the +range of values within the group of +comparable listing properties +researched. diff --git a/chunks/txt/0e5b714ad901c6e9844670091c3baa2d3fad70394aa048db6bd9b71ac4ff03d7.txt b/chunks/txt/0e5b714ad901c6e9844670091c3baa2d3fad70394aa048db6bd9b71ac4ff03d7.txt new file mode 100644 index 0000000000000000000000000000000000000000..dd9f94ec2a47380a861a65df1d484c6b7421ba31 --- /dev/null +++ b/chunks/txt/0e5b714ad901c6e9844670091c3baa2d3fad70394aa048db6bd9b71ac4ff03d7.txt @@ -0,0 +1,23 @@ +We find a puzzling increase in home valuations following the adoption of stricter flood standards. At the same time, we are observing shifts in appraisers’ valuation practices. Specifically, appraisers reduce negative language, use fewer flood-zone comparables, and apply smaller adjustments to... + - Staff Working Papers + +January 10, 2025 + +## [Working Paper 25-01: The Male and Female Gap in Home Appraisals](/research/papers/wp2501) + +Using 24 million appraisals for refinance mortgages over the January 2013 to March 2024 period and comparing homes in the same census tract and year-quarter, we find that homes of single female households are appraised for 2.4% less than those of single men. Appraisers make lower adjustments to... + - Staff Working Papers + +December 23, 2024 + +## [Working Paper 24-11: Individual Borrower Motivations Surrounding Mortgage Forbearance Take-Up and Exit](/research/papers/wp2411) + +Borrower perceptions and beliefs about the future influence mortgage forbearance decisions. Using a proprietary dataset combining administrative mortgage records with borrower surveys, we find subjective expectations regarding forbearance uncertainty and financial knowledge help predict forbearance... + - Staff Working Papers + +December 20, 2024 + +## [Working Paper 24-10: European Energy Crisis: Did Electricity Prices Shock Real Estate Markets?](/research/papers/wp2410) + +This paper investigates the impact of the 2021–2022 European energy crisis, a significant macro-financial shock, on homebuyer willingness-to-pay for energy-efficient homes in Norway. Leveraging the country’s electricity market—characterized by five distinct regions with varying exposure to European... + - Staff Working Papers diff --git a/chunks/txt/0e5eb7e185e75274410bec7be16952a6d4a6ae03880730bf08c6d49fd4d543ce.txt b/chunks/txt/0e5eb7e185e75274410bec7be16952a6d4a6ae03880730bf08c6d49fd4d543ce.txt new file mode 100644 index 0000000000000000000000000000000000000000..f512ebc2e0eecf0d2d693baa8186aaa684396925 --- /dev/null +++ b/chunks/txt/0e5eb7e185e75274410bec7be16952a6d4a6ae03880730bf08c6d49fd4d543ce.txt @@ -0,0 +1,18 @@ +*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are +necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are +readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing +adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional +lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical +dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market’s +reaction to the financing or concessions based on the appraiser’s judgment. + +STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser’s certification in this report is +subject to the following assumptions and limiting conditions: + +1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the +title to it, except for information that he or she became aware of during the research involved in performing this appraisal. +The appraiser assumes that the title is good and marketable and will not render any opinions about the title. + +2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. +The sketch is included only to assist the reader in visualizing the property and understanding the appraiser’s determination +of its size. diff --git a/chunks/txt/0e5f78cf1df33833690989c8bb3ebb10095aff47e1e0fab7b3bfa2bace99fdb0.txt b/chunks/txt/0e5f78cf1df33833690989c8bb3ebb10095aff47e1e0fab7b3bfa2bace99fdb0.txt new file mode 100644 index 0000000000000000000000000000000000000000..835a150ebd099ed38d2e5429114b4960327cb022 --- /dev/null +++ b/chunks/txt/0e5f78cf1df33833690989c8bb3ebb10095aff47e1e0fab7b3bfa2bace99fdb0.txt @@ -0,0 +1,97 @@ +Highest Best Use +Indicator + +Indicates that the present use is the +highest and best of the site as improved. + +/VALUATION_RESPONSE/PROPERTY/SITE[@HighestBestUseIndicator='Y'] + +Highest Best Use +Indicator + +Indicates that the present use is the +highest and best of the site as improved. + +/VALUATION_RESPONSE/PROPERTY/SITE[@HighestBestUseIndicator='N'] + +1 + +1 + +Boolean + +Boolean + +Highest Best Use +Description + +Specifies a use, other than the present use, +that would constitute a higher and best +use of the site. + +/VALUATION_RESPONSE/PROPERTY/SITE/@HighestBestUseDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +Site Utility Public +Indicator + +Indicates whether the utility specified by +Site Utility Type is a public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Electr +icity']/@_PublicIndicator + +Site Utility Non +Public Indicator + +Indicates whether the utility specified by +Site Utility Type is a non-public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Electr +icity']/@_NonPublicIndicator + +104 + +PROJECT SITE + +Utilities +Electricity +Other (describe) + +Site Utility Non +Public Description + +A free-form text field used to describe the +ownership of the utility specified by Site +Utility Type if it is a non-public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Electr +icity']/@_NonPublicDescription + +105 + +PROJECT SITE + +106 + +PROJECT SITE + +Utilities +Gas +Public + +Utilities +Gas +Other + +Site Utility Public +Indicator + +Indicates whether the utility specified by +Site Utility Type is a public utility. diff --git a/chunks/txt/0e63e27077047e5931216c401eb98dd532bbc97f326e5b15ab4bb6088cd3e307.txt b/chunks/txt/0e63e27077047e5931216c401eb98dd532bbc97f326e5b15ab4bb6088cd3e307.txt new file mode 100644 index 0000000000000000000000000000000000000000..094f51c7e25c18b96ea5d8a950518c399834553f --- /dev/null +++ b/chunks/txt/0e63e27077047e5931216c401eb98dd532bbc97f326e5b15ab4bb6088cd3e307.txt @@ -0,0 +1,188 @@ +Standard + +Standard + +C4 + +Partially Updated + +Partially Updated + +Moderately Updated + +Moderately Updated + +Moderately Updated + +Fully Updated + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +Quality + +Condition + +Property Amenities + +Outdoor Living + +Water Features + +Vehicle Storage + +Type | Spaces | Detail + +Q5 + +C4 + +— + +Outdoor Shower - 2 + +Carport | 2 | Detached +400 Sq. Ft. +Driveway | 6 | Gravel + +Q4 $(10,000) + +C4 + +Porch + +$(3,000) + +— + +$0 + +$3,000 + +Driveway | 6 | Gravel + +Q5 + +Basic + +Basic + +Q4 + +Standard + +Standard + +Standard + +Standard Dry Wall | Vaulted + +C4 + +Not Updated + +Not Updated + +Not Updated + +Q4 $(20,000) + +C4 + +C4 + +Not Updated + +Not Updated + +Fully Updated + +Q5 + +C4 + +— + +— + +Deck | Porch + +$(5,000) + +— + +$0 + +$0 + +$0 + +$0 + +Carport | 2 | Attached +Driveway | 6 | Gravel + +Carport | 2 | Attached +Driveway | 6 | Gravel + +Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts) + +Outbuilding Type + +— + +— + +Shed + +$0 + +— + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario + +Uniform Residential Appraisal Report + +Page 17 of 29 +Page 17 of 29 + +Sales Comparison Approach (continued) + +Property Address + +Summary + +List Price + +Contract Price + +Sale Price + +Net Adjustment Total + +Adjusted Price Per Unit + +Adjusted Price Per Bedroom + +Price Per Gross Building +Finished Area + +Adjusted Price + +Comparable Weight + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +12345 Holiday Hwy +Surfside, HI 12345 + +13-222 N Trail Loop +Surfside, HI 12345 + +25-1837 Highmountain Pl +Surfside, HI 12345 diff --git a/chunks/txt/0e6a31854056167ad4d41f41dfc749730294a2b92654623f89da9f3cdad99956.txt b/chunks/txt/0e6a31854056167ad4d41f41dfc749730294a2b92654623f89da9f3cdad99956.txt new file mode 100644 index 0000000000000000000000000000000000000000..19f47ee8cf261fb80bc64111535147c15eb0f7e6 --- /dev/null +++ b/chunks/txt/0e6a31854056167ad4d41f41dfc749730294a2b92654623f89da9f3cdad99956.txt @@ -0,0 +1,154 @@ +Page 186 of 211 + +Document Version 1.4 + +221 + +222 + +223 + +224 + +225 + +226 + +227 + +228 + +229 + +230 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point +Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +2 + +3 + +4 + +HEADER + +BLANK + +HEADER + +File # + +HEADER + +BLANK + +4a + +HEADER + +BLANK + +Report Title +Description + +Appraiser File +Identifier + +Appraiser +Additional File +Identifier Name + +Appraiser +Additional File +Identifier + +This is an identifier or number used by +the appraiser to identify their reports. It is +generally specific to the appraiser. +Secondary report identifier used by the +appraiser to identify appraisal reports. +This field may carry the FHA number, +case number, loan number or some other +identifier. +Used to indicate by name the type of +identifier represented by +AppraisersAdditionalFileIdentifier. + +Used to specify the title of a report. + +/VALUATION_RESPONSE/REPORT/@_TitleDescription + +/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier + +50 + +50 + +String + +String + +This field occurs on every page of the form and must be consistent. The placement +of the header on the form varies from vendor to vendor. The print reference +placement on Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms vendor +software. + +This field occurs on every page of the form and must be consistent. The placement +of the header on the form varies from vendor to vendor. + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier +Name diff --git a/chunks/txt/0e6caba690bf29e60ca0fb88c2874d61af2cc46a28c7edb4ba2f2aa6f0ac4231.txt b/chunks/txt/0e6caba690bf29e60ca0fb88c2874d61af2cc46a28c7edb4ba2f2aa6f0ac4231.txt new file mode 100644 index 0000000000000000000000000000000000000000..ee83adc7103ae2133db857cb074c811d245addcd --- /dev/null +++ b/chunks/txt/0e6caba690bf29e60ca0fb88c2874d61af2cc46a28c7edb4ba2f2aa6f0ac4231.txt @@ -0,0 +1,22 @@ +Revision History ................................................................................................................................................................................... 2 +Table of Contents................................................................................................................................................................................. 3 +I. Introduction ...................................................................................................................................................................................... 9 +A. Scope............................................................................................................................................................................................ 9 +B. Purpose ........................................................................................................................................................................................ 9 +II. Document Structure ...................................................................................................................................................................... 11 +A. Documentation Conventions ................................................................................................................................................... 11 +B. Document Organization............................................................................................................................................................ 13 +III. Closing Disclosure Variations – UPDATED................................................................................................................................... 15 +A. Model Form ............................................................................................................................................................................... 16 +B. Split Disclosures - UPDATED ..................................................................................................................................................... 17 +1. Closing Disclosure – Borrower Only .....................................................................................................................................17 +2. Closing Disclosure – Seller Only - UPDATED ........................................................................................................................17 +C. Alternate Form .......................................................................................................................................................................... 18 +1. For More Information ...........................................................................................................................................................18 +IV. UCD Data Point Categories .......................................................................................................................................................... 19 +A. Closing Disclosure Data Points ................................................................................................................................................. 19 +1. General Use Data...................................................................................................................................................................19 +2. Document Specific Data........................................................................................................................................................19 +3. Mutually Exclusive Data Points.............................................................................................................................................20 +4. Variable Form Field Names...................................................................................................................................................21 +5. diff --git a/chunks/txt/0e7b4e8afbc81f03c2a2da846fc2f91c5748092d64f7f37b53fb432beaf9e7d4.txt b/chunks/txt/0e7b4e8afbc81f03c2a2da846fc2f91c5748092d64f7f37b53fb432beaf9e7d4.txt new file mode 100644 index 0000000000000000000000000000000000000000..497fd58e0dbbe42bc8145f0ec3861616d48d856b --- /dev/null +++ b/chunks/txt/0e7b4e8afbc81f03c2a2da846fc2f91c5748092d64f7f37b53fb432beaf9e7d4.txt @@ -0,0 +1,46 @@ +Supported Attribute Enumerations + +urn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE +SIGNATORY_n +ROLE_n +SIGNATORY_n +ROLE_n + +Unique ID + +2200.0148 +2200.0149 +2200.0150 +2200.0151 +2200.0141 + +Parent Container + +RELATIONSHIP +RELATIONSHIP +RELATIONSHIP +SIGNATORY +ROLE + +MISMO Attribute +Name +@xlink:arcrole +@xlink:from +@xlink:to +@xlink:label +@xlink:label + +Supported Attribute Enumerations + +urn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE +SIGNATORY_n +ROLE_n +SIGNATORY_n +ROLE_n + +Every party that signs the report is represented in the data using an arcrole. The Appraiser and Supervisory Appraiser signatures displayed in Figure +Arcrole - 2, represents a sample of the arcrole for signatories with a snapshot of the report. + +Arcrole - 2 + +Page 58 diff --git a/chunks/txt/0e8ff8f269adcd1deb9bb2c51a323d7f56ca5539ea5fc2ab10102e4fd9899dd3.txt b/chunks/txt/0e8ff8f269adcd1deb9bb2c51a323d7f56ca5539ea5fc2ab10102e4fd9899dd3.txt new file mode 100644 index 0000000000000000000000000000000000000000..c6c33d9a52eb34302ce342a95fa3f2aa5bb52e0b --- /dev/null +++ b/chunks/txt/0e8ff8f269adcd1deb9bb2c51a323d7f56ca5539ea5fc2ab10102e4fd9899dd3.txt @@ -0,0 +1,64 @@ +Energy Efficient Items + +Garage/Carport + +Porch/Patio/Deck + +Sale Price +Adjustment +Description + +Sale Price +Adjustment +Description + +Sale Price +Adjustment +Description + +Sale Price +Adjustment +Description + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D +ETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex +tensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEBelowGradeBedroomRoomCount + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D +ETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex +tensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEBelowGradeBathroomRoomCount diff --git a/chunks/txt/0e91db7e3eedbcdde2ae410126a78918b2e6d451072b1afd50ab464f44b50195.txt b/chunks/txt/0e91db7e3eedbcdde2ae410126a78918b2e6d451072b1afd50ab464f44b50195.txt new file mode 100644 index 0000000000000000000000000000000000000000..4694bc94ef5ab612b9d1df60e6db78bf5dddfacb --- /dev/null +++ b/chunks/txt/0e91db7e3eedbcdde2ae410126a78918b2e6d451072b1afd50ab464f44b50195.txt @@ -0,0 +1,178 @@ +Amenity Feature +14.004 + +Yes +22.12.11 + +Amenity Feature +• +Caged +• +Heated +• +Indoor +• +Other (Describe) + +22.12.03 +22.12.10 + +Water +Features + +If relevant + +If applicable for the +Outdoor Shower + +Number + +Subject Property +Amenities +• + +Amenity Count +14.004 + +22.12.04 +22.12.12 + +Whole Home + +If relevant + +If applicable when the +row is included in the +sales comparison grid + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Subject Property +Amenities +• + +Amenity Category +14.001 is Whole +Home +Amenity Type +14.002 + +22.12.04 +22.12.12 + +22.12.05 +22.12.14 + +Whole Home + +If relevant + +If applicable for the +indicated whole home +amenity + +Number + +Subject Property +Amenities +• + +Amenity Count +14.004 + +Miscellaneous + +If relevant + +If applicable when the +row is included in the +sales comparison grid + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Subject Property +Amenities +• + +Amenity Category +14.001 is +Miscellaneous +Amenity Type +14.002 + +22.12.05 +22.12.14 + +Miscellaneous + +If relevant + +If applicable for the +indicated +miscellaneous amenity + +Number + +Subject Property +Amenities +• + +Amenity Count +14.004 + +Yes +22.12.15 + +Yes +22.12.11 + +Yes +22.12.13 + +Yes +22.12.13 + +Yes +22.12.15 + +Amenity Count (for the Outdoor Shower) + +For Amenity Category Whole Home, Amenity Type +• +EV Station +• +Elevator +• +Fire Suppression System +• +Indoor Fireplace +• Multiple Zone HVAC +• +Smart Home System +• Whole House Ventilation +• Wood Stove + +Amenity Count (for the indicated whole home amenity) + +Example: Indoor Fireplace - 2 + +For Amenity Category Miscellaneous, Amenity Type +• +• +• +• + +Airstrip +Club Membership +Shared Laundry Facilities +Other (Describe) diff --git a/chunks/txt/0ea0ccb6e7e3b3ae948ca0a4cf310acfa153f8c5ac464550c0a66199378a84f8.txt b/chunks/txt/0ea0ccb6e7e3b3ae948ca0a4cf310acfa153f8c5ac464550c0a66199378a84f8.txt new file mode 100644 index 0000000000000000000000000000000000000000..34678f33fd66db27f781d522962138871918a133 --- /dev/null +++ b/chunks/txt/0ea0ccb6e7e3b3ae948ca0a4cf310acfa153f8c5ac464550c0a66199378a84f8.txt @@ -0,0 +1,114 @@ +Report Estimated Percentage of Commercial Space as 12.5%, and the +percentage of commercial space in the subject building as 25% in Commercial +Space Comment. + +Commercial Space Comment +• When Adverse or Beneficial, describe the impact to value and / or + +• + +• + +• + +marketability. +If there is more than one building in the project, provide the percentage +of commercial space in the subject’s building, which is defined as +Commercial Square Footage of the subject’s building / Total Square +Footage of the subject’s building +Additional commentary may be provided to include details and other +information. +For further expansion of commentary, use Project Factors Commentary +(18.094). + +18.079 Commercial + +Space +(Impact) + +18.089 Commercial + +Space +(Comment) + +Required if +Commercial Space in +Project is Yes + +Required if Impact is +Adverse or Beneficial, +or as needed + +Adverse, +Beneficial, or +Neutral + +Free-form + +Appendix F-1: URAR Reference Guide + +Page 196 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +18 Project Information + +Known Legal Actions + +The Known Legal Actions row always displays in the Project Factors table. + +Project Factors: Known Legal Actions + +Report +Field ID + +Report Label + +When to Include + +18.070 Known Legal + +Actions +(Detail) + +18.080 Known Legal + +Actions +(Impact) + +Required if the +property is in a +condominium, +cooperative, condop, +or PUD + +Required if Known +Legal Actions is Yes + +18.090 Known Legal + +Actions +(Comment) + +Required if Known +Legal Actions is Yes, or +as needed + +Allowable +Answers / Format + +Yes | No + +Adverse, +Beneficial, or +Neutral + +Free-form + +Definition / Additional Guidance + +Known Legal Actions: Indicates whether research on the project revealed +pending or current legal actions in which the HOA, sponsor, developer, or other +relevant party is named in the litigation or alternative dispute resolution. diff --git a/chunks/txt/0ea767284d1150866c6ee6e95bacc1f46fe9781c787cfd9939c4849d724d6005.txt b/chunks/txt/0ea767284d1150866c6ee6e95bacc1f46fe9781c787cfd9939c4849d724d6005.txt new file mode 100644 index 0000000000000000000000000000000000000000..39530e27dcb9cef3c97eb0ae96adcc189fc03b76 --- /dev/null +++ b/chunks/txt/0ea767284d1150866c6ee6e95bacc1f46fe9781c787cfd9939c4849d724d6005.txt @@ -0,0 +1,28 @@ +LOAN is sufficient to represent an instance of a loan because all the elements under LOAN work +together to describe the same loan. If we go any higher in the model, we would fail to identify a loan. +We could not use the DEAL element, because it may contain multiple loans and we would not know to +which one of them the relationship is being applied. + +Data Relationships Using Xlink and MISMO Arcroles + +Page 11 of 29 + +Version 1.1 + +___________ _ __ Rules for XLink Relationships + +LOAN is unique because it represents one specific instance of the LOAN container. Any other sibling +instance would be a different loan. If we go any lower, the endpoint would not be unique. For example, +we could not use LOAN_IDENTIFIER because all sibling occurrences of LOAN_IDENTIFIER refer to +the same loan. + +ROLE is sufficient to identify a party as a borrower (by setting the ROLE_DETAIL element’s +PartyRoleType attribute value to “Borrower”). If we go any higher in the model, we would fail to +identify the role. For example, we could not use the PARTY element, because it may contain multiple +roles and we would not know to which of them the relationship is being applied. + +The ROLE element is unique. Any given party will only have one ROLE element of type borrower. If +we want to say that a party is a borrower on a loan, we need to use one specific instance of the ROLE +element. Pointing to any other sibling instance would mean a different role. If we go any lower, the +endpoint would not be unique. For example, we could not use EMPLOYER because all sibling instances +of EMPLOYER refer to the same borrower. diff --git a/chunks/txt/0ecf39c8b7dca09f62cd0df0aa9f7a5a7b475f795450dab37f3adfe158bd5fcf.txt b/chunks/txt/0ecf39c8b7dca09f62cd0df0aa9f7a5a7b475f795450dab37f3adfe158bd5fcf.txt new file mode 100644 index 0000000000000000000000000000000000000000..9e2d9320cc8ffd13737de34f756df307f581eb22 --- /dev/null +++ b/chunks/txt/0ecf39c8b7dca09f62cd0df0aa9f7a5a7b475f795450dab37f3adfe158bd5fcf.txt @@ -0,0 +1,80 @@ +Small Residential Income Property Appraisal Report + +Single Family Comparable Rent Schedule + +1004 + +1004 Desktop + +1004 Hybrid + +1073 + +1073 Desktop + +1073 Hybrid + +1075 + +2055 + +1004C + +2090 + +2095 + +1025 + +1007 + +70 + +70D + +70H + +465 + +465D + +465H + +466 + +2055 + +70B + +- + +- + +72 + +1000 + +Using the new UAD, data -not a form number- will drive the property type. The property type is determined using characteristics of the +property, which provides flexibility and removes the conflict between atypical properties and a form number. This document serves as a +guide to assist with data mapping, field formats, and the PDF representation of the report. It is not a comprehensive developer’s guide. + +The URAR Implementation Guide (iGuide) and URAR “Supplement – Approaches to Value Grids” are contained in Appendix B. These +artifacts are a companion to the URAR Delivery Specification spreadsheet. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 23 + +In some sections, a table is used to define the fields in that section. + +• Report Field ID (FID): A red number identifying the specific location of the field on the URAR. +• Report Label: Name of the field as shown on the Uniform Residential Appraisal Report. +• Unique ID (UID): This column lists the unique number assigned to each instance of a MISMO data point. +• MISMO Data Point Name: This column lists the MISMO data point for the associated data element. +• Display Rules: Documents display rules associated with a given data element. + +The following typefaces and colors are used throughout this document: + +• URAR Section and Subsection Names are represented in bold, (e.g., Subject Property, Site, Site Exhibits) +• Report field labels are represented in italics (e.g., Borrower Name, Physical Address) +• On URAR excerpts and when form fields are referenced, a red superimposed number identifies a Report Field ID, (e.g., FID: 1.001) diff --git a/chunks/txt/0ed73616271b79fb68e7cd332186777791fae9b8f5e9a8307d9b535b519e00b7.txt b/chunks/txt/0ed73616271b79fb68e7cd332186777791fae9b8f5e9a8307d9b535b519e00b7.txt new file mode 100644 index 0000000000000000000000000000000000000000..2000bc7497f97684b70eaaf2513a7db38b27c7fc --- /dev/null +++ b/chunks/txt/0ed73616271b79fb68e7cd332186777791fae9b8f5e9a8307d9b535b519e00b7.txt @@ -0,0 +1,95 @@ +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais +alInspectionPropertyType='Subject' and +@AppraisalInspectionType='ExteriorOnly'] + +APPRAISER +CERTIFICATION + +Date of Inspection + +Inspection Date + +The date the inspection of the property +was performed. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais +alInspectionPropertyType='Subject' and +@AppraisalInspectionType='ExteriorOnly']/@InspectionDate + +APPRAISER +CERTIFICATION + +Did not inspect exterior of comparable +sales from street + +Appraisal Inspection +Type + +Specifies the extent of the property +inspection. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais +alInspectionPropertyType='Comparable' and @AppraisalInspectionType='None'] + +APPRAISER +CERTIFICATION + +Did inspect exterior of comparable sales +from street + +Appraisal Inspection +Type + +Specifies the extent of the property +inspection. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais +alInspectionPropertyType='Comparable' and +@AppraisalInspectionType='ExteriorOnly'] + +APPRAISER +CERTIFICATION + +Date of Inspection + +Inspection Date + +The date the inspection of the property +was performed. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais +alInspectionPropertyType='Comparable' and +@AppraisalInspectionType='ExteriorOnly']/@InspectionDate + +535 + +All + +226 + +FOOTER + +BLANK + +Appraisal Report +Content Identifier + +An additional identifier that is used for +uniquely identifying appraisal forms or +addendums. This may be an internal +systems identifier. + +/VALUATION_RESPONSE/REPORT/FORM/@AppraisalReportContentIdentifi +er + +536 + +N/A + +N/A + +N/A + +N/A + +Latitude Number diff --git a/chunks/txt/0ed783a8c559001e41ebfd4db826d2ee479bffd20a84e6db2809b307ad90d7f4.txt b/chunks/txt/0ed783a8c559001e41ebfd4db826d2ee479bffd20a84e6db2809b307ad90d7f4.txt new file mode 100644 index 0000000000000000000000000000000000000000..850d98bf2e5a6e95af21a08311daadd2d45d2277 --- /dev/null +++ b/chunks/txt/0ed783a8c559001e41ebfd4db826d2ee479bffd20a84e6db2809b307ad90d7f4.txt @@ -0,0 +1,102 @@ +Page 55 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +Example IV-24. Party Container for PartyRoleType = LoanDeliveryFilePreparer + +PartyRoleIdentifier + + + +PartyRoleType + +LoanDeliveryFilePreparer + +Notes: This instance of PARTY required for all files. Used to identify the system creating the + +XML file. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 56 of 76 + +Section V. Resources + +V. Resources + +A. ULDDS Document Package + +The ULDDS is made up of the following package of documents, which consist of a +technical narrative and accompanying appendices. + +Document Title + +Description + +Audience + +Use + +Table V-1. ULDDS Document Package. + + Scope the project to + +create the XML import +file + + Understand + +fundamental XML +concepts underlying the +new data set + Understand the + +underlying MISMO data +population + + Understand the scope +of the data population + Identify source systems + Map internal data to + +new loan delivery data +set + +Familiarize team +members with MISMO +data names, definitions, +and usage + +Fannie Mae and +Freddie Mac Uniform +Loan Delivery Data +Specification, v1.0.1 + + Detailed, narrative technical +descriptions of the various +documents in the ULDDS +package + + Explanation of technical + +MISMO and XML concepts + Instructions on how to use +the appendices to create +the loan delivery import file + +Information +technology staff +and project +managers of large +lenders and +vendors + +Appendix A: XML +Data Requirements + +Detailed list of the MISMO +XML data elements, +definitions, format and shared +conditionality and cardinality diff --git a/chunks/txt/0edf11c51bc6761103b3b8c8b91b041bf56ac4bc87766dc0e3b73d69873100ce.txt b/chunks/txt/0edf11c51bc6761103b3b8c8b91b041bf56ac4bc87766dc0e3b73d69873100ce.txt new file mode 100644 index 0000000000000000000000000000000000000000..16aab6facc700b36f8cbb41f1c5aca67bb4a74d7 --- /dev/null +++ b/chunks/txt/0edf11c51bc6761103b3b8c8b91b041bf56ac4bc87766dc0e3b73d69873100ce.txt @@ -0,0 +1,155 @@ +5.0 Projected Payments + +5.1 Payment Calculation + +5.1.1 Years 1 – 7 + +5.1.2 Years 8 – 30 + +5.2 Principal & Interest + +5.3 Mortgage Insurance + +5.2.1 + +5.3.1 + +$761.78 + ++ + +82.35 + +5.2.4 + +5.3.2 + +$761.78 + ++ + +-- + +5.4 Estimated Escrow +Amount can increase over time + +5.5 Estimated Total + +Monthly Payment + +5.4.1 + ++ + +0 + +5.4.2 + ++ 0 + +5.5.1 + +$1,050.26 + +5.5.3 + +$967.91 + +Figure 64. Escrow Account Does Not Exist + +The data points used to provide the information in the Estimated Escrow row of the Projected Payments table +are shown below. Since no escrow exists for this loan, the value of EscrowIndicator = “false”. The +ProjectedPaymentEstimatedEscrowPaymentAmount repeats twice, once for Years 1 -7 and again for Years 8 – +30. + +Table 81. Escrow Account Does Not Exist + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 Value + +Notes + +First Instance of PROJECTED_PAYMENT + +5.4.1 + +Years 1-7 Estimated +Escrow ($) + +…/PROJECTED_PAY +MENT + +ProjectedPaymentEs +timatedEscrowPaym +entAmount + +0.00 + +ROF as “0” + +Second Instance of PROJECTED_PAYMENT + +5.4.2 + +Years 8-30 +Estimated Escrow ($) + +…/PROJECTED_PAY +MENT + +ProjectedPaymentEs +timatedEscrowPaym +entAmount + +0.00 + +5.4 + +N/A + +…/DEAL/LOANS/LOA +N/LOAN_DETAIL + +EscrowIndicator + +false + +End of PROJECTED_PAYMENT Instances + +▪ Escrow payment +disclosed as same +amount for life of +loan + +▪ ROF as “0” + +Not Shown - +Indicates whether +Estimated Escrow +amount is greater +than “0” + +Appendix E: UCD Implementation Guide + +Page 95 of 254 + +Version 1.4 + +Uniform Closing Dataset + +5.0 Projected Payments Table + +5. 5. ESTI MATED TOTAL MONTHLY PAYMENT + +The last row of the Payment Calculation section of the Projected Payments table is for the Estimated Total +Monthly Payment or payment range. The Estimated Total is the sum of the amounts disclosed for Principal & +Interest, Mortgage Insurance, and Estimated Escrow for each Year Range. diff --git a/chunks/txt/0ef66c1affd5f2740c6f2748d40723da0f919e98ab8631828e332558511fe12a.txt b/chunks/txt/0ef66c1affd5f2740c6f2748d40723da0f919e98ab8631828e332558511fe12a.txt new file mode 100644 index 0000000000000000000000000000000000000000..0eeb165af5af758df342eab5187a2e4a4a8e4bf8 --- /dev/null +++ b/chunks/txt/0ef66c1affd5f2740c6f2748d40723da0f919e98ab8631828e332558511fe12a.txt @@ -0,0 +1,181 @@ +1234 Anywhere Pl + +Anywhere + +Monty + +20854 + +MD + +PropertyPhoto + +\\Images\CR1_Dwelling_Front.png + +image/png + +2009-08-21 + +Physical + +Physical + +Block H Lot XX of XYZ Place + +false + +MechanicalSystem + +false + +The hot water heater did not appear to be operational. No hot water. + +Other + +Water Heater + +true + +Hot water working upon reinspection. + +2009-08-21 + +Water Heater + +\\Images\CR1_Water_Heater.png + +image/png + +true + +Flooring + +false + +Water damage to carpet. + +Other + +Basement Den + +2009-08-21 + +Repair + +Basement Carpeting + +\\Images\CR1_Carpet.png + +image/png + +456-8124 + +Client + +123-456798 + +ValuationSoftwareVendor + +false + +false + +SubjectToRepair + +The subject property was reinspected due to a faulty water heater. The water heater has been repaired, but additional damage noted due to a water leak prior to the repair. The existing carpeting throughout the basement is damaged and this may affect the original assignment results. As such, the carpeting is required to be replaced. + +true + +false + +LN32942301 + +2009-08-07 + +870000 + +LN1265431 + +Jane Summers + +ABC Mortgage Company + +Completion Report Delivery Specification v1.3 + +SATKIT + +Superb Appraising Toolkit + +1.7 + +Superb Appraisal Software Vendor, LLC + +ABC Mortgage Company + +456 Somewhere Ave + +Sometown + +55555 + +NV + +Lender + +Client + +Amy + +Appraiser + +22 A St NE + +Washington + +10001 + +DC + +XYZ Appraisal Company + +LicensedResidentialAppraiser + +2010-10-21 + +3333333333 + +MD + +Appraiser + +AppraisalFee + +0 + +Michael + +Jones + +Borrower + +Mary + +Jones + +Borrower + +Valuation + +2009-08-21 + +\\CR1_CompletionReport_v1.2.pdf + +application/pdf + +1 + +ValuationCompletion + +FNM_FRE + +September 2024 diff --git a/chunks/txt/0efab5140ca570d0265b5e452e2711a0ee453ba52b1e9eaed90ceb6584c9d89a.txt b/chunks/txt/0efab5140ca570d0265b5e452e2711a0ee453ba52b1e9eaed90ceb6584c9d89a.txt new file mode 100644 index 0000000000000000000000000000000000000000..12d692e4ee75de01f2652b05f96d9783908d15c0 --- /dev/null +++ b/chunks/txt/0efab5140ca570d0265b5e452e2711a0ee453ba52b1e9eaed90ceb6584c9d89a.txt @@ -0,0 +1,22 @@ +STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser’s certification in this report is +subject to the following assumptions and limiting conditions: + +1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it, +except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser +assumes that the title is good and marketable and will not render any opinions about the title. + +2. The appraiser has included a floor plan in this appraisal report, which was completed as part of the property data report that +shows the approximate dimensions of the improvements. The floor plan is included only to assist the reader in visualizing the +property and understanding the appraiser’s determination of its size. + +3. The appraiser has relied on data provided by third-parties in this appraisal report. Such data may include, but is not limited to, +flood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views, +property data services, surveys, engineering reports, and property data aggregations. After examination of the data and data +sources, the appraiser has used only the data he or she considers reliable. The appraiser makes no guarantees, express or implied, +regarding the accuracy of this data. + +4. Unless noted otherwise, the appraiser has relied on interior and exterior subject property data obtained through a property data +report. Such data includes, but is not limited to, a floor plan, photographs, and property characteristics. After examination of the data +and data sources, the appraiser has used only the data he or she considers reliable. The appraiser assumes there are no material +omissions and makes no guarantees, express or implied, regarding the accuracy of this data. The appraiser assumes that the +property characteristics have not changed since the date of the property data report. diff --git a/chunks/txt/0f02a8debcd5496bfe6a60d4a11fc659f611e25e1dbb28a19d26f837e170e822.txt b/chunks/txt/0f02a8debcd5496bfe6a60d4a11fc659f611e25e1dbb28a19d26f837e170e822.txt new file mode 100644 index 0000000000000000000000000000000000000000..be38482f73a312577189c934cb88842ca8cf1613 --- /dev/null +++ b/chunks/txt/0f02a8debcd5496bfe6a60d4a11fc659f611e25e1dbb28a19d26f837e170e822.txt @@ -0,0 +1,100 @@ +Appendix F-1: URAR Reference Guide + +Page 336 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +27 Revision History + +Reconsideration of Value + +The Reconsideration of Value subsection displays when there was a Borrower-Initiated Reconsideration of +Value (ROV) request submitted to the appraiser on the original report. Reference published guidelines by the +GSEs, government agencies, or other identified secondary market participants for specific guidance. + +Report +Field ID + +Not on +Report + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Reconsideration of Value + +Always required + +Yes | No + +This is an +appraiser input +that does not +display + +Reconsideration of Value Indicator +• + +Yes (There was a Borrower-Initiated ROV, and the Reconsideration of +Value subsection is included in the URAR) +No (There has not been a Borrower-Initiated ROV, and the +Reconsideration of Value subsection is not included in the URAR) + +• + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Reconsideration of Value + +27.003 Type + +27.004 Date + +27.005 Result + +Required if +Reconsideration of +Value Indicator is Yes + +Required if +Reconsideration of +Value Indicator is Yes + +Required if +Reconsideration of +Value Indicator is Yes + +Borrower-Initiated Reconsideration of Value Type + +mm/dd/yyyy + +Reconsideration of Value Result Date +The date the appraiser completed the ROV. + +Note: When an ROV occurs, the Date of Signature and Report (29.066) must be +updated to reflect the date of the changes. +Reconsideration of Value Result +Indicates whether the ROV request resulted in a change to the Opinion of +Market Value (26.007). +• +No Value Change +• +Value Change diff --git a/chunks/txt/0f12e88498312fef2e96b217e44ad760d5515a246269168a52aef4582c3cc061.txt b/chunks/txt/0f12e88498312fef2e96b217e44ad760d5515a246269168a52aef4582c3cc061.txt new file mode 100644 index 0000000000000000000000000000000000000000..14c57aaf83a79e6c84489080fd375d25608a371c --- /dev/null +++ b/chunks/txt/0f12e88498312fef2e96b217e44ad760d5515a246269168a52aef4582c3cc061.txt @@ -0,0 +1,68 @@ + Multiple windows and doorways constructed + +with high‐end materials, featuring custom +design particularly at the front and rear +entry and often featuring keystones or other +decorative adornments. +Roof designs using high‐end roof materials; +typically featuring ornamental overhangs, +steep pitches, and multiple ridges, hips and +valleys, and gables. +Exterior walls constructed using high‐end +materials and featuring multiple corners +with angled walls, unique shapes, and +custom trim at focal points. + + + + + +Condition and Quality Rating Definitions + +Page 4 of 5 + +Version 1.0 + +Uniform Appraisal Dataset + +Quality Rating Definitions +In each category, the property must meet the majority of the criteria listed but does not have to meet all criteria. + +Rating + +Overall Quality Rating + +Interior Quality Rating + +Exterior Quality Rating + +The dwelling represents housing that +can be reproduced from standard plans, +featuring a higher than standard degree +of complexity and some customization +in the structural design, amenities, and +finishes. A Q3 dwelling can contain a +mixture of premium and standard level +materials or amenities. They are often +characterized as "semi‐custom" new +construction, or as pre‐existing +dwellings that are upgraded using some +premium materials or amenities. + +The dwelling is constructed using +standard building plans and designs that +can be reproduced multiple times with +minimal customization or style +variations. The materials and amenities +are widely available and can contain a +mixture of some standard and +economy‐level materials. + +The dwelling is basic in design and +meets minimum building standards. +Dwellings rated Q5 are designed for +efficiency in installation and +construction representing basic housing. +Q5 dwellings have minimal refinements +or upgrades but are not considered +substandard. diff --git a/chunks/txt/0f24026de09fc7874e76b272fd0680df8f5bb0d4bcca2cd9f06801065c2a71a8.txt b/chunks/txt/0f24026de09fc7874e76b272fd0680df8f5bb0d4bcca2cd9f06801065c2a71a8.txt new file mode 100644 index 0000000000000000000000000000000000000000..2d8527579c181b43c7d0b0ef94854e7662852d4a --- /dev/null +++ b/chunks/txt/0f24026de09fc7874e76b272fd0680df8f5bb0d4bcca2cd9f06801065c2a71a8.txt @@ -0,0 +1,63 @@ +Allowable Answer + +Definition / Additional Guidance + +Proximity (Choose one for each Site Influence or Environmental Condition) + +Bordering + +Offsite + +Onsite + +An influence located on or coming from a site that directly abuts the subject site. + +An influence located on or coming from a site that is not the subject site nor directly abuts the subject site. + +An influence located on or coming directly from the subject site. + +Allowable Answer + +None (Not in a Special +Airport Hazard Zone) + +Civil Airport Runway Clear +Zone + +Special Airport Hazard Zone (Choose one) + +Definition / Additional Guidance + +Select this answer if the property is not in a Special Airport Hazard Zone. + +Areas immediately beyond the ends of runways for civil airports as established by Federal Aviation Administration for the +purpose of enhancing protection of people and property on the ground in the event an aircraft lands or crashes beyond +the runway end. + +Military Airport Accident +Potential Zone 1 + +Areas beyond the Clear Zone for military airfields established by the United States Department of Defense as a planning +tool for local planning agencies. Accident Potential Zones are areas where aircraft mishaps are most likely to occur near +the airfields. + +Military Airport Clear Zone + +Areas immediately beyond the ends of runways for military airfields established by the United States Department of +Defense. + +Other (Describe) + +Select Other to enter an answer that is not in the above list. + +Appendix F-1: URAR Reference Guide + +Page 63 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +04 Site + +Apparent Environmental Conditions diff --git a/chunks/txt/0f306c4ba676135a4d43805faa4dd30a1b6e8bcdfa6fbd8d71e87a8650727d43.txt b/chunks/txt/0f306c4ba676135a4d43805faa4dd30a1b6e8bcdfa6fbd8d71e87a8650727d43.txt new file mode 100644 index 0000000000000000000000000000000000000000..21150e32afef462347c6b363d8175efbe497aa14 --- /dev/null +++ b/chunks/txt/0f306c4ba676135a4d43805faa4dd30a1b6e8bcdfa6fbd8d71e87a8650727d43.txt @@ -0,0 +1,59 @@ +Spacious rooms with higher ceilings that +may have custom design elements (e.g., +coved, barrel, cupola, coffered, beamed), +high-end built-ins, mouldings and wall +treatments in communal areas and the +main bedroom. +High-grade floor coverings designed for the +highest level of durability and occasionally +featuring inlays or other customization. +Large kitchens featuring high-end +appliances, extensive cabinetry, and +countertops. +Large bathrooms specifically dedicated to +certain bedrooms as well as at least one +common bathroom; containing high-end +countertops, cabinetry, and plumbing +fixtures. + +• + +• + +• + +Custom fenestration and doorways using +exceptional grade materials and engineering; +featuring keystones or detailed mouldings +throughout. +Roof designs using premium materials +designed for longevity and resistance to +weather; often featuring large ornamental +overhangs, multiple hips and valleys, or +steep pitches. +Exterior walls constructed using exceptional +grade materials, often featuring multiple +corners, unique angles and shapes, and +extensive use of trim or decorative +adornments. + +• Multiple windows and doorways constructed + +with high-end materials, featuring custom +design particularly at the front and rear +entry and often featuring keystones or other +decorative adornments. +Roof designs using high-end roof materials; +typically featuring ornamental overhangs, +steep pitches, and multiple ridges, hips and +valleys, and gables. +Exterior walls constructed using high-end +materials and featuring multiple corners +with angled walls, unique shapes, and +custom trim at focal points. + +• + +• + +Appendix F-1: URAR Reference Guide diff --git a/chunks/txt/0f32a23ede103c5fb9b06039fa364230152123adc2f626b1993c0dfb0e777d7d.txt b/chunks/txt/0f32a23ede103c5fb9b06039fa364230152123adc2f626b1993c0dfb0e777d7d.txt new file mode 100644 index 0000000000000000000000000000000000000000..9f6fd1ea364af4255845af6e89d615d51801c810 --- /dev/null +++ b/chunks/txt/0f32a23ede103c5fb9b06039fa364230152123adc2f626b1993c0dfb0e777d7d.txt @@ -0,0 +1,38 @@ +2131 An appraisal based on an interior and exterior +property inspection reported on Form 1073 is +required for this condominium transaction. If the +condominium project consists solely of detached +dwellings, Form 1004 may be used, though the +appraiser must include: an adequate description of +the project, information about the homeowners' +association fees, and information about the quality +of the project maintenance. + +2135 An appraisal based on an interior and exterior +property inspection reported on Form 1073 is +required for this condominium refinance +transaction. If the condominium project consists +solely of detached dwellings, Form 1004 may be +used, though the appraiser must include: an +adequate description of the project, information +about the homeowners' association fees, and +information about the quality of the project +maintenance. + +This loan casefile is eligible for a Uniform Residential +Appraisal Report (Traditional Appraisal - 2- to 4-Unit +Property). If the loan casefile is eligible for other property +assessment and valuation options, all options will be +displayed in the Property and Appraisal Information +section. +This loan casefile is eligible for a Uniform Residential +Appraisal Report (Traditional Appraisal - Manufactured). If +the loan casefile is eligible for other property assessment +and valuation options, all options will be displayed in the +Property and Appraisal Information section. +This loan casefile is eligible for a Uniform Residential +Appraisal Report (Traditional Appraisal - Single Family +Property). If the loan casefile is eligible for other property +assessment and valuation options, all options will be +displayed in the Property and Appraisal Information +section. diff --git a/chunks/txt/0f3a78400630c62de39c9a193e2794609e98245288ed8b8ed7ad7b1bcb8257b2.txt b/chunks/txt/0f3a78400630c62de39c9a193e2794609e98245288ed8b8ed7ad7b1bcb8257b2.txt new file mode 100644 index 0000000000000000000000000000000000000000..1603c7521d5c1623a292a60a2e597e2fdcf27d65 --- /dev/null +++ b/chunks/txt/0f3a78400630c62de39c9a193e2794609e98245288ed8b8ed7ad7b1bcb8257b2.txt @@ -0,0 +1,105 @@ +This field is required if the value of field e- +26 (GSE Financing Type) is 'Other'. + +CR + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +The total amount of concessions, if any. If there are no sales or financing concessions, a +zero (0) must be entered. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +Money + +Money + +If the value of field e-29 is 'SettledSale', this +field is required. + +CR + +The sum of this field 3-62 and fields (3-60, +3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-76, 3- +78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93, +3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3- +107, 3-109, 3-111) must add up to Net +Adjustment field 3-116. + +CR + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 157 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +This field indicates the listing status of the comparable. + +394 + +3 + +e-29 + +SALES +COMPARISON +APPROACH + +Date of Sale/Time + +GSE Listing Status +Type + +Indicates the status for the comparable +listing or sale presented. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEListingStatusType diff --git a/chunks/txt/0f411c8c1f80344d4468c1729fdb90d6ce715540e76370750c1ef2e81c40ce81.txt b/chunks/txt/0f411c8c1f80344d4468c1729fdb90d6ce715540e76370750c1ef2e81c40ce81.txt new file mode 100644 index 0000000000000000000000000000000000000000..65230d7ee198110fcc2ff5bb4ef48f332396bdfc --- /dev/null +++ b/chunks/txt/0f411c8c1f80344d4468c1729fdb90d6ce715540e76370750c1ef2e81c40ce81.txt @@ -0,0 +1,18 @@ +Statement of Assumptions and Limiting Conditions + +The appraiser assumes that the title is good and marketable unless he or she becomes aware of information to the contrary. + +If the appraiser has included a sketch or floor plan in this appraisal report, it shows the approximate dimensions and is included only to assist +the reader in visualizing the property and understanding the appraiser’s determination of its size. + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +The appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not limited to, floor plans, +flood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views, property +data services, surveys, engineering reports, and property data aggregations. After examination of the data and data sources, the appraiser has +used only the data he or she considers reliable. The appraiser assumes there are no material omissions in the data relied upon and makes no +guarantees, express or implied, regarding their accuracy. If the source date is prior to the effective date of the appraisal, the appraiser assumes +the property characteristics and supporting information have not changed in the interim. + +The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question, +unless specific arrangements to do so have been made beforehand, or as otherwise required by law. diff --git a/chunks/txt/0f444167168476c14e13279c9c5a6c38cffa174b2b02afe07d0802d5d1bbf1aa.txt b/chunks/txt/0f444167168476c14e13279c9c5a6c38cffa174b2b02afe07d0802d5d1bbf1aa.txt new file mode 100644 index 0000000000000000000000000000000000000000..dcf719955c7841e4e9101215c444389ca9c8a618 --- /dev/null +++ b/chunks/txt/0f444167168476c14e13279c9c5a6c38cffa174b2b02afe07d0802d5d1bbf1aa.txt @@ -0,0 +1,16 @@ +To fulfill that mandate, FHFA directed Fannie Mae and Freddie Mac to raise guarantee fees by 10 basis points beginning in April 2012. Unlike other single-family guarantee fees, which are retained by Fannie Mae and Freddie Mac, the proceeds from this fee increase are remitted to the Treasury at the end of each quarter. + +In August 2012, FHFA directed Fannie Mae and Freddie Mac to make more changes to the single-family guarantee fees they charge lenders. The changes became fully effective in December 2012, and Fannie Mae and Freddie Mac keep the resulting revenues. + +The changes: + +- Increased guarantee fees on single-family mortgages by an additional 10 basis points on average. +- Made the guarantee fees the Enterprises charge lenders that deliver small and large volumes of loans more uniform. +- Began to address the issue of lower-risk loans subsidizing the pricing of higher-risk loans. +## State-Level Guarantee Fee Proposal + +In September 2012, we solicited public input via a [*Federal Register* notice on September 25, 2012](/regulation/federal-register/public-input-notice/2012-n-13) on a proposal to impose an up-front fee on newly acquired single-family mortgages originated in specific states where Fannie Mae and Freddie Mac are likely to incur default-related losses much higher than the national average because of the individual laws in those states. + +[FHFA received more than 60 responses](/regulation/federal-register/public-input-notice/2012-n-13) from state and local government officials, interest groups, academics, and the public. + +FHFA evaluated public input and determined not to proceed with this initiative at this time. diff --git a/chunks/txt/0f47b00b90397d2739c5af60df08b8dd729e7037898e24bd797ab181abe049bc.txt b/chunks/txt/0f47b00b90397d2739c5af60df08b8dd729e7037898e24bd797ab181abe049bc.txt new file mode 100644 index 0000000000000000000000000000000000000000..2224f4745570e7df52fa1192965d675178b7c12d --- /dev/null +++ b/chunks/txt/0f47b00b90397d2739c5af60df08b8dd729e7037898e24bd797ab181abe049bc.txt @@ -0,0 +1,70 @@ +Indicates that the project does impose an +additional fee beyond the standard project +fee. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@ +_AdditionalFacilitiesFeeIndicator='N'] + +1 + +1 + +Boolean + +Boolean + +One and only one of fields 2-7, 2-8 +(values of Project Common Elements +Leased Indicator) should be indicated. + +This field should be populated if field 2- +7 (Project Common Elements Leased +Indicator = 'Y') is indicated. This is a +free text field which should describe +the rental terms and options. + +One and only one of fields 2-10, 2-11 +(values of Project Analysis Ground +Rent Indicator) should be indicated. + +One and only one of fields 2-10, 2-11 +(values of Project Analysis Ground +Rent Indicator) should be indicated. +This field should be populated if field 2- +10 (Project Analysis Ground Rent +Indicator = 'Y') is indicated. +This field should be populated if field 2- +10 (Project Analysis Ground Rent +Indicator = 'Y') is indicated. + +One and only one of fields 2-14, 2-15 +(values of Adequate Indicator) should +be indicated. + +One and only one of fields 2-14, 2-15 +(values of Adequate Indicator) should +be indicated. + +This field should be populated if field 2- +15 (Adequate Indicator = 'N') is +indicated. + +One and only one of fields 2-17, 2-18 +(values of Project Analysis Budget +Analyzed Indicator) should be +indicated. + +One and only one of fields 2-17, 2-18 +(values of Project Analysis Budget +Analyzed Indicator) should be +indicated + +One and only one of fields 2-20, 2-21 +(values of Project Analysis Additional +Facilities Fee Indicator) should be +indicated. + +One and only one of fields 2-20, 2-21 +(values of Project Analysis Additional +Facilities Fee Indicator) should be +indicated. diff --git a/chunks/txt/0f4e61aabb5312433ae87832ecbb6e046c77228f60f4821dd29cf7020466bea8.txt b/chunks/txt/0f4e61aabb5312433ae87832ecbb6e046c77228f60f4821dd29cf7020466bea8.txt new file mode 100644 index 0000000000000000000000000000000000000000..c234d2fac38571352fbc6b7b1a2d7e7efd531c08 --- /dev/null +++ b/chunks/txt/0f4e61aabb5312433ae87832ecbb6e046c77228f60f4821dd29cf7020466bea8.txt @@ -0,0 +1,34 @@ +UCD v2.0 Implementation Guide + +v + +Version 1.0 + +Uniform Closing Dataset + +Contents + +D. ucd.xsd ............................................................................................................................................................................ 153 +Appendix D. CD Versions and Associated Sections .................................................................................................................. 155 + +UCD v2.0 Implementation Guide + +vi + +Version 1.0 + +Uniform Closing Dataset + +I. Introduction + +I. INTRODUCTION + +A. UNIFORM CLOSING DATASET BACKGROUND + +On December 31, 2013, the Consumer Financial Protection Bureau (CFPB) published in the Federal Register the Integrated +Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (RESPA or Regulation X) and the Truth in Lending +Act [TILA or Regulation Z (Reg Z)]. This Rule (known as “TRID”) established new requirements and forms for consumer +disclosures related to most closed-end mortgages. The key forms created by TRID were the Loan Estimate (LE) and Closing +Disclosure (CD), which, with certain exceptions, replaced the TILA disclosure and HUD-1 Settlement Statement. CFPB and the +Federal Housing Finance Agency (FHFA) asked Freddie Mac and Fannie Mae (the GSEs) to develop a standard electronic +dataset to support the new CD. diff --git a/chunks/txt/0f5095afb7fcd154ebfee92aae1206632b263a15bec0efb82916123066ecc942.txt b/chunks/txt/0f5095afb7fcd154ebfee92aae1206632b263a15bec0efb82916123066ecc942.txt new file mode 100644 index 0000000000000000000000000000000000000000..9f2508bca4bbfd3137857e5821f88b7d87810242 --- /dev/null +++ b/chunks/txt/0f5095afb7fcd154ebfee92aae1206632b263a15bec0efb82916123066ecc942.txt @@ -0,0 +1,49 @@ +• + +• + +Lenders who wish to receive representation and warranty relief offered by the DU validation service must continue to +comply with all conditions in the DU Underwriting Findings Report, including the close by date. + +Loans originated in accordance with the age of documentation flexibilities must be delivered to Fannie Mae no later than +two years from the date of the disaster declaration by FEMA. + +See SB5-4.2-02, Disaster-Related Limited Cash-Out Refinance Flexibilities for information related to certain flexibilities offered for +a disaster related limited cash-out transaction. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 34 of 166 + +UAD 3.6 Policy + +SB3-3.1-08, Rental Income (10/08/2025) + +Introduction + +This topic provides information on qualifying a borrower’s rental income, including: + +• Associated Policies +• +Eligible Properties +• +Ineligible Properties +• Rental Income from an ADU on the Subject Property +• General Requirements for Documenting Rental Income (Subject and Non-Subject Property) +• Documenting Rental Income from Subject Property +• Documenting Rental Income from Property Other Than the Subject Property +• Reconciling Partial or No Rental History on Tax Returns (Schedule E Only) +• Calculating Monthly Qualifying Rental Income (or Loss) +• +• +• Offsetting Monthly Obligations for Rental Property Reported through a Partnership or an S Corporation +• Rental Income Calculation Tools +• Reporting of Gross Monthly Rent + +Lease Agreements or the Uniform Residential Appraisal Report +Treatment of the Income (or Loss) + +Associated Policies + +In conjunction with the policies in this topic, lenders must also comply with, as applicable, but not limited to, the following +policies in the Selling Guide: diff --git a/chunks/txt/0f575e609aab4e480cc75374d443be6476d412d1b6a584da1ee82a44403a7772.txt b/chunks/txt/0f575e609aab4e480cc75374d443be6476d412d1b6a584da1ee82a44403a7772.txt new file mode 100644 index 0000000000000000000000000000000000000000..fbfe4e50d1863a8ef9a903a2fe1efcb4db8b2b80 --- /dev/null +++ b/chunks/txt/0f575e609aab4e480cc75374d443be6476d412d1b6a584da1ee82a44403a7772.txt @@ -0,0 +1,51 @@ +25 + +String + +If no water service is present, indicate 'None' in the description field. + +UAD Requirement - Refer to Appendix D Site Section +This field must indicate the water source if present and not public. If no water +service is present, indicate 'None' in the description field. + +Site Utility Public +Indicator + +Indicates whether the utility specified by +Site Utility Type is a public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type=' +SanitarySewer']/@_PublicIndicator + +Site Utility Non +Public Indicator + +Indicates whether the utility specified by +Site Utility Type is a non-public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type=' +SanitarySewer']/@_NonPublicIndicator + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that +the box has not been checked. + +Boolean + +If no sanitary sewer service is present, indicate 'None' in the description field. + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that +the box has not been checked. + +Boolean + +If no sanitary sewer service is present, indicate 'None' in the description field. + +UAD Requirement - Refer to Appendix D Site Section +This field must indicate the source of the sanitary sewer service if present and not +public. If no sanitary sewer service is present, enter 'None' in the description field. + +UAD Instruction - Refer to Appendix D Site Section +This field should indicate the street type. The value 'None' should be indicated if +none is present. diff --git a/chunks/txt/0f5f637eddb5186daa8e0c4e2c827b40ff3dedc33558889d49e59849193d3df7.txt b/chunks/txt/0f5f637eddb5186daa8e0c4e2c827b40ff3dedc33558889d49e59849193d3df7.txt new file mode 100644 index 0000000000000000000000000000000000000000..8200f67ed1663fb29f9d14ed0f81dac67561f65d --- /dev/null +++ b/chunks/txt/0f5f637eddb5186daa8e0c4e2c827b40ff3dedc33558889d49e59849193d3df7.txt @@ -0,0 +1,67 @@ +Cost Method +Depreciation Method + +Comparative Unit +Economic Age-Life + +Cost of all structures are based off a lump sum estimate per square foot or per cubic foot of all components of the structure including their +foundations. The comparative unit method is used to derive a cost estimate in terms of dollars per unit of area, or volume, based on known +cost of similar structures that are adjusted for time, and physical differences. The cost estimate is then applied to the total building area. + +The total depreciation for the dwelling includes the attached garage. Depreciated costs were calculated on an economic age-life basis at 4% +per year for the dwelling and 6% per year for the garage. Depreciated site improvements include public utility hook-ups, driveway, sidewalks, +patio, and porch. + +Reconciliation + +Approaches to Value + +Indicated Value + +Reason for Exclusion + +Sales Comparison Approach +$275,000 + +Income Approach + +Cost Approach +$271,410 + +Not Necessary for Credible Results + +Appraisal Summary + +Opinion of Market Value +Market Value Condition + +$275,000 +As Is + +Reasonable Exposure Time +Effective Date of Appraisal + +110 days +03/14/2022 + +Reconciliation of Market Value + +Utilize this subsection for additional commentary as required by USPAP. + +Apparent Defects, Damages, Deficiencies + +None + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 18 of 20 + +This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of +assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions +and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis +necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the +certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material +alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an +appraisal organization, are permitted. diff --git a/chunks/txt/0f61e69f5eef897f3316b1ffddae94f5a74c3d44b4d31ff5501bd6ff76571fd6.txt b/chunks/txt/0f61e69f5eef897f3316b1ffddae94f5a74c3d44b4d31ff5501bd6ff76571fd6.txt new file mode 100644 index 0000000000000000000000000000000000000000..a1a0451a7a229adb953d40bdb13497918d42f21c --- /dev/null +++ b/chunks/txt/0f61e69f5eef897f3316b1ffddae94f5a74c3d44b4d31ff5501bd6ff76571fd6.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/credit-risk-transfer-progress-report" +date_accessed: "2026-01-27T17:54:20.679Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/0f690a496c6e735f6abf15b3f8a1f35bf6c79536d224183b558e7cf823df8694.txt b/chunks/txt/0f690a496c6e735f6abf15b3f8a1f35bf6c79536d224183b558e7cf823df8694.txt new file mode 100644 index 0000000000000000000000000000000000000000..616e9f54c4d59971fe874803cab2e90e4e031f54 --- /dev/null +++ b/chunks/txt/0f690a496c6e735f6abf15b3f8a1f35bf6c79536d224183b558e7cf823df8694.txt @@ -0,0 +1,85 @@ +4.061 + +Comment + +1500.0174 + +EncroachmentDescription + +Site Characteristic + +Display when (EncumbranceType = "Encroachment" AND +(ValueMarketabilityImpactType = "Adverse" OR "Beneficial")) +OR +(EncumbranceType = "Encroachment" AND +ValueMarketabilityImpactType = "Neutral" AND Exists) + +Displays when SiteFeatureType <> "None" + +Always displays + +− When "Topography", display Topography followed by TopographyType (UID: + +1500.0065, FID: 4.058) separated by a pipe “|” + +4.063 + +Detail + +1500.0062 + +SiteFeatureType + +− When "Drainage", display Drainage followed by SiteDrainageReasonType + +(UID: 1500.0060, FID: 4.058) separated by a pipe “|” +(e.g., Drainage | Standing Water) +Each Site Characteristic displays on a separate row + +− +− + +4.064 + +Impact + +1500.0180 + +ValueMarketabilityImpactType + +Display when SiteFeatureType <> "None" + +4.065 + +Comment + +1500.0179 + +SiteFeatureDescription + +Display when (SiteFeatureType <> "None" AND +(ValueMarketabilityImpactType = "Adverse" OR "Beneficial")) OR Exists + +Site Features Commentary + +4.066 + +Site Features Commentary + +1500.0252 + +ValuationAnalysisCategoryType + +Display when ValuationAnalysisCategoryType = “SiteFeatures” AND Exists + +Figure 4 - 9 + +Utilities and Impact to Value/Marketability + +Appendix B-1: URAR Implementation Guide v1.3 + +The Utilities and Impact to Value/Marketability subsection always displays. It indicates whether the utilities that are listed on the report are +connected to the site, and whether the utility is public or private. + +• Electricity, Sanitary Sewer, and Water always display as row headers and in alphabetical order on the report. +• Gas displays only when UtilityType (UID: 1500.0104, FID: 4.075) = “Gas” is indicated. diff --git a/chunks/txt/0f70d3f290221cd55eac80cf24bc5b5de9187d66b1086b21a2b6fbd9dbd739f5.txt b/chunks/txt/0f70d3f290221cd55eac80cf24bc5b5de9187d66b1086b21a2b6fbd9dbd739f5.txt new file mode 100644 index 0000000000000000000000000000000000000000..eee47f1eed6b32a79ac9b8b15f7817fd6bd4b54a --- /dev/null +++ b/chunks/txt/0f70d3f290221cd55eac80cf24bc5b5de9187d66b1086b21a2b6fbd9dbd739f5.txt @@ -0,0 +1,11 @@ +- Capitalize arrearages (such as missed payments) +- Reduction of interest rate to the lesser of the current modification rate or the borrower's rate, for borrowers with mark-to-market loan-to-value (MTMLTV) above or equal to 80% (MTMLTV takes the remaining principal balance, divided by the current home value) +- Term extension to 40 years from the modification date +- Forbear principal if needed to reduce the MTMLTV to 100%, with a maximum forbearance of 30% of the post modification unpaid principal balance (UPB) +- For borrowers who are less than 90 days past due, if the borrower has not achieved a 20% payment reduction and 40% Housing expense-to-Income Ratio (HTI), forbear additional principal until those targets are met, down to 80% MTMLTV, with a maximum of 30% of the post modification UPB +- For borrowers who are 90 days or more past due, Flex Mod provides additional forbearance for borrowers with MTMLTVs above 80% if needed to target a 20% payment reduction +Flex Modification may be offered to eligible borrowers who have submitted a complete application and are less than 90 days delinquent, or to eligible borrowers who have not submitted an application and are at least 90 days delinquent. + +### Short Sale + +Short Sale is a foreclosure alternative where a borrower sells the home for less than the balance remaining on the mortgage. The borrower sells the home and pays off a portion of the mortgage balance with the proceeds. The borrower may be required to pay off the remaining mortgage balance. A short sale allows a borrower to transition out of the home without going through foreclosure. In some cases, relocation assistance may be available. diff --git a/chunks/txt/0f82f1b50ded1a3540c060abbd8657228a474aba500341134a937675ff7c85bf.txt b/chunks/txt/0f82f1b50ded1a3540c060abbd8657228a474aba500341134a937675ff7c85bf.txt new file mode 100644 index 0000000000000000000000000000000000000000..aa805623f15748081ae19a52aa38797cd3a35176 --- /dev/null +++ b/chunks/txt/0f82f1b50ded1a3540c060abbd8657228a474aba500341134a937675ff7c85bf.txt @@ -0,0 +1,106 @@ +Foundation + +Roof + +Detail +Engineered Wood + +Quality Comment +T-111 siding + +Condition Status +Typical Wear and Tear + +Condition Comment +Add comment if needed. + +Metal | Post and Pier + +Add comment if needed. + +Typical Wear and Tear + +Add comment if needed. + +Metal +Estimated Age: +20 or more years + +Add comment if needed. + +Typical Wear and Tear + +Rust noted on the roof. +Metal galvanized roofs can +deteriorate when rust forms. +No ruptures or leaks noted at +the time of inspection. + +Windows + +Insulated + +Add comment if needed. + +New or Like New + +Add comment if needed. + +Mechanical System Details + +Heating + +Cooling + +System +None + +None + +Detail +Typical for Market + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior - Building 2) + +The items listed below represent the As Is condition as of the effective date of this report + +Feature +Roof + +Location +Entire Roof + +Description +Rust noted on the roof. Metal galvanized roofs +can deteriorate when rust forms. No ruptures +or leaks noted at the time of inspection. + +Affects Soundness or +Structural Integrity +No + +Recommended +Action +None + +Dwelling Exterior Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario + +Uniform Residential Appraisal Report + +Page 10 of 29 + +Dwelling Exterior - Building 2 (continued) + +Dwelling Exterior Exhibits + +Dwelling Rear + +Apparent Defects, Damages, Deficiencies - Roof + +This is where the Dwelling 2 Rear photo would display. + +This is where the Dwelling 2 Roof Defect photo would display. diff --git a/chunks/txt/0f94fe47c4edc083e129e477550e83a3e64df169a4bc5a0c3a6f9fd9d21b7633.txt b/chunks/txt/0f94fe47c4edc083e129e477550e83a3e64df169a4bc5a0c3a6f9fd9d21b7633.txt new file mode 100644 index 0000000000000000000000000000000000000000..d54efa29b3126c3a309c8db34f7e46490ca2ebac --- /dev/null +++ b/chunks/txt/0f94fe47c4edc083e129e477550e83a3e64df169a4bc5a0c3a6f9fd9d21b7633.txt @@ -0,0 +1,33 @@ +Message about large deposits +The DU validation service automates the assessment of large deposits on purchase transactions. When a large deposit needs to +be documented, DU will issue a message. The current message notifying lenders of a large deposit may be issued more than once +as it is issued for each large deposit that is required to be documented. To simplify the identification of large deposits, the existing +message will be replaced with a message in table format with each large deposit displayed in the table. + +DU validation service message changes + +Message placement +To improve clarity and organization of the DU validation service messages in the DU findings, the placement of messages in the +DU findings will be modified as defined below. This change will apply to all loans submitted or resubmitted on or after April 18, +2021. + +• Messages indicating whether a VOI/E report, a Tax Transcript or a VOA report has been obtained will be moved +from the “Employment and Income” section to the “Verification Messages/ Approval Conditions” section. + +• Messages related to receipt of a VOA report will be moved from the “Verification Messages/ Approval Conditions” + +section to the “Assets” section. + +Updates to column headers in message tables +Some column headers in the DU validation service messages will be updated to provide consistency and clarity as defined below. +This change will apply to all loans submitted or resubmitted on or after April 18, 2021. + +Current Column Name + +New Column Name + +Vendor Match (for employment validation messages) + +Employer Name(s) in Report + +Vendor Match (for income validation messages) diff --git a/chunks/txt/0fae3ff8f30972b15ee30a725dfa251f3f6da507dd06ecf795159bc0ca40bef2.txt b/chunks/txt/0fae3ff8f30972b15ee30a725dfa251f3f6da507dd06ecf795159bc0ca40bef2.txt new file mode 100644 index 0000000000000000000000000000000000000000..2440eebfb60aa4e32909d3c302e5b30e80d9b60d --- /dev/null +++ b/chunks/txt/0fae3ff8f30972b15ee30a725dfa251f3f6da507dd06ecf795159bc0ca40bef2.txt @@ -0,0 +1,28 @@ +Other CPM delivery restrictions will not impact the DU recommendation but may require the lender to confirm the loan meets the +specified restrictions for the loan to be eligible for sale to Fannie Mae. For example, if a project has a delivery restriction requiring +a lender to confirm there are no damages to the project from a disaster, the lender must take steps to confirm that the project +was either not impacted by the disaster or that any material damage was remediated. + +Value Acceptance + +Currently when DU determines that a loan casefile is eligible for value acceptance, value acceptance + property data, or a hybrid +appraisal, the Construction Loan Type in the loan application data is not taken into consideration. With this update, loan casefiles +with a Construction Loan Type of Construction-to-Permanent will not be eligible for value acceptance, value acceptance + +property data, or a hybrid appraisal. This will align DU with the Selling Guide where “proposed construction” is specified as +ineligible for these property assessment and valuation options. + +© 2025 Fannie Mae. + +3.19.25 + +2 of 4 + +Note: Any DU loan casefile with a Construction Loan Type of Construction-to-Permanent that was eligible for value +acceptance (appraisal waiver), value acceptance + property data, or a hybrid appraisal prior to May 17 will lose that +eligibility if the loan casefile is resubmitted after the weekend of May 17. + +Refinance of Fannie Mae Loans + +There are messages in DU that look for Fannie Mae as the Owner of Existing Mortgage, as provided in the loan application data. +Messages regarding eligibility for sale to Fannie Mae are issued on limited cash-out refinance transactions with LTV ratios over +95%, and messages regarding project review requirements are issued on condo transactions. diff --git a/chunks/txt/0fc07640b9737ec90e1e2f07c44b9a9b035b1375e89971ec4dcdd1e1f92fa7b1.txt b/chunks/txt/0fc07640b9737ec90e1e2f07c44b9a9b035b1375e89971ec4dcdd1e1f92fa7b1.txt new file mode 100644 index 0000000000000000000000000000000000000000..769dfeab8a6df3066b9220f8877a41ea717d8577 --- /dev/null +++ b/chunks/txt/0fc07640b9737ec90e1e2f07c44b9a9b035b1375e89971ec4dcdd1e1f92fa7b1.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/12701","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); })(); diff --git a/chunks/txt/0fc3e5795d4ebea3d7ba2a86cdc7ef78b7d4f1382ac0a6ad345bcfce750b3e3e.txt b/chunks/txt/0fc3e5795d4ebea3d7ba2a86cdc7ef78b7d4f1382ac0a6ad345bcfce750b3e3e.txt new file mode 100644 index 0000000000000000000000000000000000000000..c8957fc6f288f868620878dc640564ac1304b709 --- /dev/null +++ b/chunks/txt/0fc3e5795d4ebea3d7ba2a86cdc7ef78b7d4f1382ac0a6ad345bcfce750b3e3e.txt @@ -0,0 +1,91 @@ +1, p. 80352. + +10.3: Reg §1026.38(e)(6), p. 80122. +10.9.3 | 10.9.4: Reg §1026.38(e)(5), p. 80122. + +10.10: Reg §1026.38(e)(1), p. 80121; 38(e)(1)-1, p. 80352 + +10.11: Reg §1026.38(e)(4), p. 80122. + +Appendix E: UCD Implementation Guide + +Page 160 of 254 + +Version 1.4 + +Uniform Closing Dataset + +11.0 – 16.0 Summaries of Transactions - UPDATED + +11.0 – 16.0 SUMMARIE S OF TRANSACTIONS - UPDATED + +The following sections from the Summaries of Transactions (SOT) table are included in the noted Closing +Disclosure variations. Rows 14.0 – 16.0 are shaded out because the GSEs do not collect the SELLER’S +TRANSACTION data. The Alternate Form column is shaded out because the SOT table is only used with purchase +transactions. + +Table 105. Required SOT Table Sections for each Closing Disclosure Variation -- UPDATED + +Form +Field ID + +Form Section Name + +Purchase Transactions Only + +Model Form + +Split-Borrower Only + +Non-Seller Transactions Only +Alternate Form + +✓ + +✓ + +✓ + +✓ + +✓ + +✓ + +11.0 + +12.0 + +13.0 + +14.0 + +15.0 + +16.0 + +K. Due from Borrower at +Closing + +L. Paid Already by or on Behalf +of Borrower at Closing + +CALCULATION + +M. Due to Seller at Closing + +N. Due from Seller at Closing + +CALCULATION + +A. LI NE I TEMS - UPDATED + +Sections M and N (14-16) are no longer required to be delivered on a Purchase transaction. Any required data +related to the Seller should be delivered in sections K and L (11-13). With these new requirements, the +information presented on both the Model Form and Closing Disclosure – Borrower Only and the data delivered +will be equivalent. + +B. TOTALS AND SUBTOTALS - UPDATED + +The line item amounts under each section heading highlighted in gray (K and L) sum up to the section subtotals. +The BORROWER’S TRANSACTION side has two subtotals and the resulting Total Cash to Close amount. diff --git a/chunks/txt/0fc6c371db48b3fb4451d8246acb0f2123b80e6b6281f03a4a884ba4150f6989.txt b/chunks/txt/0fc6c371db48b3fb4451d8246acb0f2123b80e6b6281f03a4a884ba4150f6989.txt new file mode 100644 index 0000000000000000000000000000000000000000..0846d9e7b8e4603f63535692cfc58a3e4cd625a8 --- /dev/null +++ b/chunks/txt/0fc6c371db48b3fb4451d8246acb0f2123b80e6b6281f03a4a884ba4150f6989.txt @@ -0,0 +1,38 @@ + COLLATERAL + LOAN_DETAIL + CLOSING_COST_FUND + +Notes: Container names are capitalized and words are separated by an + +underscore. + +2. Definition + +The “definition” column provides the industry-standard description of the container. +The definition of containers in the LDD is not yet complete, and therefore many +containers are still being defined. Where they are included, the MISMO definition +will tend to be very generic, as many containers are used in more than one mortgage +industry process. Given the lack of definition for many containers and the summary +nature of existing definitions, an important role of the business partners implementing +the MISMO standard is to provide additional information about how each container is +to be used in the transactions they are exchanging. Additional guidance can add detail +to and interpret the MISMO definition, but should always be consistent with it. + +Example III-13. MISMO LDD Container Definitions and Business Partner +Guidance. + +Container: INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE +Definition: Data that describes the rules that apply to interest rate adjustments in + +effect for the entire life of the loan or for a single unique occurrence +such as a first rate adjustment. In general the elements are usually +known at the time of closing. + +Notes: Business partner guidance should clarify the description of the container in + +two ways: + Clarify the scope of the data to be submitted in the container based + +upon expected child containers and data points. For example, if +settlement agent fees are not expected to be transmitted, provide that +guidance. diff --git a/chunks/txt/0fcd6cdd1eba6deb472dcbeb863d56bdf86141d6c2c330fad5867d4954ecce4a.txt b/chunks/txt/0fcd6cdd1eba6deb472dcbeb863d56bdf86141d6c2c330fad5867d4954ecce4a.txt new file mode 100644 index 0000000000000000000000000000000000000000..f7a179e05cd90126e0080c672784ab8164d0d064 --- /dev/null +++ b/chunks/txt/0fcd6cdd1eba6deb472dcbeb863d56bdf86141d6c2c330fad5867d4954ecce4a.txt @@ -0,0 +1,31 @@ +Appendix B-1: URAR Implementation Guide v1.3 + +21 Prior Sale and Transfer History + +Page 268 + +The Prior Sale and Transfer History section includes information and analysis regarding the recent transfer history of the subject property, +and of the comparables appearing in the Sales Comparison Approach section. This section provides space for analysis and exhibits. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 269 + +The Prior Sale and Transfer History section always displays in the report. + +Subject Transfer History + +The Subject Transfer History subsection and the italicized text “Prior sales and/or transfers of the subject property (minimum 3 year look +back)” always display. This subsection provides information regarding the prior sales or transfers of the subject property, with a minimum +three-year lookback. This subsection must not include information for the current sale. + +➢ When there are no prior sales or transfers for the subject property, PriorSalesOrTransfersIndicator (UID: 0800.0005, FID: 21.000) = + +“false”, the following information is required, and the Subject Transfer History detail table does not display: +• Prior Sales or Transfers – Display the text “None” next to the report label. (Figure 21 - 1) +• Data Source – Display one or more values for DataSourceType (UID: 0700.0125, FID: 21.001). + +o When there are multiple data sources, display them stacked. +o A relationship is required for each subject property data source. (See Arcrole/Data Relationships) + +• Analysis of Prior Sale and Transfer History of Subject Property – A comment is required in ValuationCommentText (UID: 1600.0008, diff --git a/chunks/txt/0fd107344f0523260c0e30e94beb955fc69c8a259f71142b810b2b90b3201bac.txt b/chunks/txt/0fd107344f0523260c0e30e94beb955fc69c8a259f71142b810b2b90b3201bac.txt new file mode 100644 index 0000000000000000000000000000000000000000..54ad074d75eab8dafc514e439115d91f12870baa --- /dev/null +++ b/chunks/txt/0fd107344f0523260c0e30e94beb955fc69c8a259f71142b810b2b90b3201bac.txt @@ -0,0 +1,37 @@ +container in the same instance of the IMPROVEMENT container that represents this dwelling. + +Page 37 + +• The data associated with each Accessory Dwelling Unit (ADU) in an outbuilding must be provided in an individual occurrence of the + +PROPERTY_UNIT container in the same instance of the IMPROVEMENT container that represents this outbuilding. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 38 + +• When a single-family home has an ADU in the basement, the data associated with this ADU must be provided in a separate + +occurrence of the PROPERTY_UNIT container in the same instance of the IMPROVEMENT container that represents the dwelling in +which the ADU is located. PROPERTY_UNIT/PROPERTY_UNIT_DETAIL/AccessoryDwellingUnitIndicator must be provided as “true” to +indicate the unit is an ADU. In such a scenario, details about rest of the dwelling must be provided in another instance of the +PROPERTY_UNIT container as shown in the below snippet. In the below XML, the second instance of the PROPERTY_UNIT container +represents the ADU and the first instance of the PROPERTY_UNIT represents rest of the dwelling. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 39 + +The below snippet shows how the IMPROVEMENT and PROPERTY_UNIT containers repeat for a 2- to 4-unit property that has 2 living +units in the dwelling and has an ADU in the outbuilding. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 40 + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 41 + +The Assignment Information section of the valuation report provides information about people and/or companies (“contacts”) that are +pertinent to the appraisal, including: diff --git a/chunks/txt/0fe09a5e429d64d8028c47b9b74ec948e8e8300b994fcb5c940eb94c0b59bffe.txt b/chunks/txt/0fe09a5e429d64d8028c47b9b74ec948e8e8300b994fcb5c940eb94c0b59bffe.txt new file mode 100644 index 0000000000000000000000000000000000000000..c6bb8633db5472f94b0cb92f655793d035855702 --- /dev/null +++ b/chunks/txt/0fe09a5e429d64d8028c47b9b74ec948e8e8300b994fcb5c940eb94c0b59bffe.txt @@ -0,0 +1,63 @@ +CU has identified market reaction +to attributes that may differ from +the adjustment rates used by the +appraiser. Ensure that the +appraiser has made adjustments +accurately reflecting market +reaction. See the CU Adjustments +tab for details. + +CU has identified heightened +overvaluation risk. Ensure that +the appraiser's value estimate is +consistent with the best market +data. + +1040 + +1041 + +1032 + +1046 + +1020 + +1021 + +1012 + +1026 + +CU has identified market reaction to 'Date of +Sale' that may differ from the adjustment rate +used by the appraiser. Ensure that the +appraiser has made adjustments accurately +reflecting market reaction to this +attribute. See the CU Adjustments tab for +details. + +CU has identified market reaction to 'View' +that may differ from the adjustment rate used +by the appraiser. Ensure that the appraiser has +made adjustments accurately reflecting +market reaction to this attribute. See the CU +Adjustments tab for details. + +CU has identified market reaction to attributes +that may differ from the adjustment rates +used by the appraiser. Ensure that the +appraiser has made adjustments accurately +reflecting market reaction. See the CU +Adjustments tab for details. + +CU has identified heightened undervaluation +risk. Ensure that the appraiser's value estimate +is consistent with the best market data. + +For More Information + +For more information about these Release Notes, lenders may contact their Fannie Mae customer account team. Additional +information including help and training is available on the Collateral Underwriter page. + +© 2022 Fannie Mae April 20, 2022 Page 4 of 4 diff --git a/chunks/txt/0ff2913018b08639875ed435b19bebf912b92ca754458ab9cc895dd52a108764.txt b/chunks/txt/0ff2913018b08639875ed435b19bebf912b92ca754458ab9cc895dd52a108764.txt new file mode 100644 index 0000000000000000000000000000000000000000..d1399d005c0f2e954bde29bee78dabda4cc32ee2 --- /dev/null +++ b/chunks/txt/0ff2913018b08639875ed435b19bebf912b92ca754458ab9cc895dd52a108764.txt @@ -0,0 +1,23 @@ +STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser’s certification in this report is +subject to the following assumptions and limiting conditions: + +1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the +title to it, except for information that he or she became aware of during the research involved in performing this appraisal. +The appraiser assumes that the title is good and marketable and will not render any opinions about the title. + +2. The appraiser has included a floor plan in this appraisal report, which was completed as part of the property data report +that shows the approximate dimensions of the improvements. The floor plan is included only to assist the reader in +visualizing the property and understanding the appraiser’s determination of its size + +3. The appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not +limited to, flood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, +virtual street views, property data services, surveys, engineering reports, and property data aggregations. After examination +of the data and data sources, the appraiser has used only the data he or she considers reliable. The appraiser makes no +guarantees, express or implied, regarding the accuracy of this data. + +4. Unless noted otherwise, the appraiser has relied on interior and exterior subject property data obtained through a +property data report. Such data includes, but is not limited to, a floor plan, photographs, and property characteristics. +After examination of the data and data sources, the appraiser has used only the data he or she considers reliable. +The appraiser assumes there are no material omissions and makes no guarantees, express or implied, regarding the +accuracy of this data. The appraiser assumes that the property characteristics have not changed since the date of +the property data report. diff --git a/chunks/txt/0ff64252156504a925ec9b8034bf47fd45d993a8e28532e578f3f817958ec532.txt b/chunks/txt/0ff64252156504a925ec9b8034bf47fd45d993a8e28532e578f3f817958ec532.txt new file mode 100644 index 0000000000000000000000000000000000000000..c776d44989d136c43c0339583a37e02fe2700de0 --- /dev/null +++ b/chunks/txt/0ff64252156504a925ec9b8034bf47fd45d993a8e28532e578f3f817958ec532.txt @@ -0,0 +1,48 @@ +The organization of the Restricted Appraisal Update Report PDF is laid out in a four-level hierarchy of information, each with defined headings and style. + +1. At the highest level, there are sections that appear in a black rounded tab with white lettering. This will repeat at the top of each page + +and will be followed by “(continued)” if a section goes onto another page. + +2. Next are subsections that are defined by a gray bar and indicate a grouping of information contained within each section. +3. Labels are bolded. +4. Sub-Labels are not bolded. + +Page 7 + +Header and Footer + +The header and footer display on each page of the Restricted Appraisal Update Report. They provide navigation and reference notations including +report title, page numbers, and, if applicable, Reference IDs used by various parties to the appraisal. + +Header Text displays on all pages of the report. + +Page 8 + +• + +Left side: DocumentType (UID: 2900.0042, FID: HF.001) = “Restricted Appraisal Update Report” + +o Always displays + +• Right side: “Page X of XX” (where X stands for page number, and XX for total pages in document) + +o Always displays + +See Appendix E: Report Style Guide for details displaying the header. + +Footer Text displays on every page of the report. + +• Update Version # - AboutVersionIdentifier (UID: 2100.0020, FID: HF.002) + +o Always displays + +• Fannie Mae | Freddie Mac - DocumentFormIssuingEntityNameType (UID: 2100.0050, FID: HF.003) + +o Always displays + +• September 2024 - DocumentFormIssuingEntityVersionIdentifier (UID: 2100.0051, FID: HF.004) + +o Always displays + +• Appraiser Reference ID - AppraiserFileIdentifier (UID: 2100.0019, FID: HF.005) diff --git a/chunks/txt/10050d54dcfb63196208503925ed4491124b688f61903d3dde96a01e197801fb.txt b/chunks/txt/10050d54dcfb63196208503925ed4491124b688f61903d3dde96a01e197801fb.txt new file mode 100644 index 0000000000000000000000000000000000000000..2e6b5759ad81d387ca8eb936a1cff6ac7a129555 --- /dev/null +++ b/chunks/txt/10050d54dcfb63196208503925ed4491124b688f61903d3dde96a01e197801fb.txt @@ -0,0 +1,21 @@ +.login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; } + +jQuery(document).ready(function () { jQuery('a[href^="#"]:not(.hv-tabbed-content a)').on('click', function (e) { e.preventDefault(); const targetSelector = jQuery(this).attr('href'); const targetEl = jQuery(targetSelector); if (targetEl.length) { jQuery('html, body').animate( { scrollTop: targetEl.offset().top - 50, }, 500, function () { targetEl.attr('tabindex', '-1').focus(); } ); } }); }); + +## Social media + +- [LinkedIn](https://www.linkedin.com/company/fannie-mae-corporation_19722) + - [Facebook](https://www.facebook.com/fanniemae) + - [Instagram](https://instagram.com/officialfanniemae) + - [X (formerly Twitter)](https://twitter.com/FannieMae) + +## Footer menu + +- [Suppliers](https://www.fanniemae.com/portal/suppliers/index.html) + - [Careers](https://careers.fanniemae.com/main) + - [Contact Us](https://www.fanniemae.com/portal/about-fm/sf-mf-contacts.html) + - [Legal](https://www.fanniemae.com/about-us/legal-disclosure) + - [Privacy](https://www.fanniemae.com/about-us/corporate-governance/online-privacy-notice) + - [Cookie Preferences](javascript:void(0);) + +© 2026 Fannie Mae diff --git a/chunks/txt/10079552be6c5b11e3a426213813f66cf2c23879cdf51270c854dbd15c365314.txt b/chunks/txt/10079552be6c5b11e3a426213813f66cf2c23879cdf51270c854dbd15c365314.txt new file mode 100644 index 0000000000000000000000000000000000000000..a6e86e93360721988e2f1ac33c9a487a4cbc62d2 --- /dev/null +++ b/chunks/txt/10079552be6c5b11e3a426213813f66cf2c23879cdf51270c854dbd15c365314.txt @@ -0,0 +1,22 @@ +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. + +2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this +report, or the demographics of the area where the property is located. + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. + +4. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser’s analyses, +opinions, statements, conclusions, and the appraiser’s certification. + +5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct. + +6. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser’s analyses, opinions, +statements, conclusions, and the appraiser’s certification. + +7. The appraiser identified in this appraisal report is either a subcontractor or an employee of the supervisory appraiser (or the appraisal firm), +is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable law. + +8. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the +Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was transmitted. diff --git a/chunks/txt/1008a8b3eefb4fbf172a1227bcb84a90b13f2c61e294fcf83370c20df800cdb2.txt b/chunks/txt/1008a8b3eefb4fbf172a1227bcb84a90b13f2c61e294fcf83370c20df800cdb2.txt new file mode 100644 index 0000000000000000000000000000000000000000..60ff2b024b98e9aad90ab8e804289e4cf55c6a30 --- /dev/null +++ b/chunks/txt/1008a8b3eefb4fbf172a1227bcb84a90b13f2c61e294fcf83370c20df800cdb2.txt @@ -0,0 +1,52 @@ +June 27 + +UCD Data Quality + +To further refine UCD data quality, the following edit will be added as warning severity: + +Edit 3176: The Current Rate Set Date provided is after the Closing Date. Please ensure the Current Rate Set Date provided is +prior to the Closing Date. + +June 27 + +Mortgage Insurer +Name Change + +Effective Feb. 7, 2022, Genworth Mortgage Insurance Corporation formally changed its name to Enact Mortgage Insurance +Corporation. Effective June 27, UCD will issue a warning edit (Edit 3175) for deliveries of the MI Company value Genworth. +The value of “Enact” has been added to the MICompanyNameTypeOtherDescription field (sort ID 894). + +Edit 3175: The MI Company provided is Genworth. Genworth Mortgage Insurance Corporation has formally changed its name +to Enact Mortgage Insurance Corporation effective Feb. 7, 2022. The MI Company enumeration value for Enact should be +delivered in the MICompanyNameType field as “Other” and in the MICompanyNameTypeOtherDescription field as “Enact”. + +© 2022 Fannie Mae + +December 2022 + +Effective +Date + +Impacted Area + +May 23 + +UCD Critical Edits - + +Phase 2 + +Implementation + +Description + +To further refine UCD Phase 2 data quality, the following new edit will be added as warning-to-fatal severity in relation to +Seller Credits: + +Edit 3425: When Loan Purpose Type is equal to Purchase, the Closing Adjustment Item Type of SellerCredit in the Closing +Adjustment Item Detail container is required. + +Additionally, the following existing UCD Phase 2 fatal severity edit messages will be updated to provide additional +information/clarity: + +Edit 3416: The Closing Adjustment Item Section Type of PaidAlreadyByOrOnBehalfOfBorrowerAtClosing is required as part +of Seller Credit data (even if a 0 value) for all Purchase loans. diff --git a/chunks/txt/100bef01adae6717c6138fa11d87437f6862d30ad1a471beb60904c904022057.txt b/chunks/txt/100bef01adae6717c6138fa11d87437f6862d30ad1a471beb60904c904022057.txt new file mode 100644 index 0000000000000000000000000000000000000000..36bd81df30f80fea5ff2024193542028c12bfbd3 --- /dev/null +++ b/chunks/txt/100bef01adae6717c6138fa11d87437f6862d30ad1a471beb60904c904022057.txt @@ -0,0 +1,13 @@ +Yes, The [UCD Collection Solution Test Environmen](https://ucd-clve.fanniemae.com/UCDepot/)t (UCD CLVE) is available to support the rollout of the UCD Collection Solution enhancements. UCD CLVE mirrors the UCD production application. The UCD CLVE allows lenders and technology solution providers to test UCD XML files for import, as well as test for manual entry. Please refer to the [UCD Collection Solution Test Environment Overview](/media/document/pdf/ucd-collection-solution-test-environment-overview) for details. + +Load of the UCD XML File + +**Q13. How will a user access the UCD user interface to perform a manual file upload?** + +Customers will have two options for delivering the UCD file through a web-based user interface: + +- Selecting the Launch button on the [UCD Collection Solution page](/learning-center/delivering/uniform-closing-dataset-ucd-collection-solution) on FannieMae.com; or + - Selecting the UCD link embedded in the Loan Delivery application. + **Q14. How will user access be managed for the UCD collection solution?** + +Fannie Mae sellers with existing Loan Delivery credentials were automatically granted access to the UCD collection solution. If there are additional individuals who require access to the UCD collection solution who do not already have access to Loan Delivery, they may be granted access through [Technology Manager](/applications-technology/technology-manager). Fannie Mae non-sellers who require access to the UCD collection solution should refer to the [Quick Guide: Access to UCD for Non-Sellers](/media/document/pdf/quick-guide-access-ucd-non-sellers) for details on the registration process. diff --git a/chunks/txt/10116fcb296fbe875409f6950a77008b02e1da67f441ba352d9cc3e565666ce5.txt b/chunks/txt/10116fcb296fbe875409f6950a77008b02e1da67f441ba352d9cc3e565666ce5.txt new file mode 100644 index 0000000000000000000000000000000000000000..48a72b4c46fa8bcb89d7966d5c5fb97a55579eb2 --- /dev/null +++ b/chunks/txt/10116fcb296fbe875409f6950a77008b02e1da67f441ba352d9cc3e565666ce5.txt @@ -0,0 +1,66 @@ +Choose an +allowable answer +from table +(Comparable +Weight) + +Comparable Weight is +only applicable to +comparables + +No + +The relative emphasis given to the GRM comparable by the appraiser in +support of the indicated value by the income approach. + +Examples of scenarios with 3 comparables: +• + +The appraiser relied primarily on 2 comparables that were given +equal consideration and included a third comparable as supporting +the data. Select Most, Most, and Less. +The appraiser relied primarily on 1 comparable that was given +most consideration, and included 2 comparables that were +considered to be representative but less relevant than the primary +comparable. Select Most, Less, and Less. +All comparables were equally considered good market indicators. +Select Most, Most, and Most. + +• + +• + +Allowable Answer + +Definition / Additional Guidance + +Comparable Weight – Choose one answer for each Comparable + +Most + +Less + +No Weight + +The contribution of the comparable was given more or most emphasis compared to other comparables. + +The contribution of the comparable was given less emphasis than comparables weighted as Most. + +The comparable was included but given no weight. +Example: The property is similar to the subject but was given no weight due to extenuating circumstances, such as a model +match that was not a typical market transaction. + +Appendix F-1: URAR Reference Guide + +Page 308 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +24 Income Approach + +Indicated Value by Income Approach + +The Indicated Value by Income Approach subsection always displays when Income Approach is included in the report. It references information +about the subject property. diff --git a/chunks/txt/1019ecce8db4bbe4011882dade50b6d4fe4cc54cf3b199d5bd7f4086b9fec911.txt b/chunks/txt/1019ecce8db4bbe4011882dade50b6d4fe4cc54cf3b199d5bd7f4086b9fec911.txt new file mode 100644 index 0000000000000000000000000000000000000000..a8467a3250ebf8f98f681364148cef154214eb1a --- /dev/null +++ b/chunks/txt/1019ecce8db4bbe4011882dade50b6d4fe4cc54cf3b199d5bd7f4086b9fec911.txt @@ -0,0 +1,45 @@ +- ## Deemed-Issuance Ratio + +Deemed-issuance ratio for each calendar year based on the ratio of TBA-eligible securities. + +[View info](/policy/deemed-issuance-ratio) + +- ## Fannie Mae and Freddie Mac Multifamily Businesses + +Requirements for the Enterprises to continue using credit risk transfers for their multifamily business, resulting in the private market sharing in potential credit losses. + +[View info](/policy/enterprise-multifamily-businesses) + +- ## Guarantee Fees History + +The guarantee fee (g-fee), covers projected credit losses from borrower defaults over the life of the loans, administrative costs, and a return on capital. + +[View info](/policy/guarantee-fees) + +- ## Non-Performing (NPL) and Re-Performing Loan (RPL) Sales + +Sales reducing the number of delinquent loans held in the Enterprises' inventories to transfer credit and interest rate risk to the private sector. + +[View info](/policy/non-performing-re-performing-loan-sales) + +- ## Representation and Warranty Framework + +Information about Fannie Mae and Freddie Mac’s Representation and Warranty Framework. + +[View info](/policy/representation-and-warranty-framework) + +- ## Credit Risk Transfer + +Information about Fannie Mae's and Freddie Mac's credit risk transfer programs. + +[View Info](/policy/credit-risk-transfer) + +- ## Executive Compensation + +Executive compensation for Federal Home Loan Bank directors and Fannie Mae's and Freddie Mac's senior executives. + +[View info](/policy/executive-compensation) + +- ## Fannie Mae & Freddie Mac Private Mortgage Insurer Eligibility Requirements (PMIERS) + +Requirements for the purchase of single-family mortgage loans where the outstanding principal balance of the mortgage exceeds 80% of the value of the underlying property. diff --git a/chunks/txt/102044b92d1afa380c60864045375bf4f7954d578d6ee057adf4924bf9b98e1b.txt b/chunks/txt/102044b92d1afa380c60864045375bf4f7954d578d6ee057adf4924bf9b98e1b.txt new file mode 100644 index 0000000000000000000000000000000000000000..8712e167d2bbc08fbfcdf344985666b88010cca9 --- /dev/null +++ b/chunks/txt/102044b92d1afa380c60864045375bf4f7954d578d6ee057adf4924bf9b98e1b.txt @@ -0,0 +1,137 @@ +Page 3 of 24 +Page 3 of 24 + +Site + +Total Site Size + +13,939 Sq. Ft. + +Number of Parcels + +1 + +Assessor Parcel Number (APN) +300.200.1000 + +APN Description +Land with Dwelling + +Parcel Size +13,939 Sq. Ft. + +Zoning + +Compliance +Classification Code +Classification Code Description + +Legal +RC-1 +Residential - Condominium + +Property Use + +Non-Residential Use + +None + +Property Access +Primary Access +Street Type and Surface +Known Maintenance Agreement Yes +Yes +Typical for Market + +Private Street +Cul-de-sac | Asphalt + +Description of Property Access Subject’s project has designated +private asphalt roads. The responsibilities and maintenance of these +roads is outlined and stated in the condominium master deed which +is recorded. Private roads within site condominium complexes in this +area are common and have no adverse effect on marketability. + +Site Influence + +Influence +Gated Community + +Golf Course + +Proximity +Onsite + +Bordering + +Detail + +Impact +Beneficial + +Beneficial + +Comment + +Site Influence Commentary The subject property backs to a golf course with views of the 15th hole. The property does sit back from the +course and is unaffected by stray golf balls. + +View and Impact to Value/Marketability + +View +Golf Course (Primary) + +Residential + +Range of View +Full + +Full + +Site Features and Impact to Value/Marketability + +Feature +Hazard Zone + +Detail +No Hazard Zone Noted + +Utilities and Impact to Value/Marketability + +Broadband Internet Available + +Yes + +Impact +Beneficial + +Neutral + +Impact + +Comment + +Private + +Detail + +Private Utility +Impact + +Comment + +Electricity + +Gas + +Sanitary Sewer + +Water + +Public + + + + + +Apparent Defects, Damages, Deficiencies (Site) diff --git a/chunks/txt/10220cb92818906a469dfe3b4d0822029299409fe1223b7055a8aa8f1d090617.txt b/chunks/txt/10220cb92818906a469dfe3b4d0822029299409fe1223b7055a8aa8f1d090617.txt new file mode 100644 index 0000000000000000000000000000000000000000..495b4f876381797362d8c2ea39995451db713cca --- /dev/null +++ b/chunks/txt/10220cb92818906a469dfe3b4d0822029299409fe1223b7055a8aa8f1d090617.txt @@ -0,0 +1,64 @@ +• More discrete data – less freeform text – no more addenda + +• Reduces subjectivity to enhance impartiality + +• Easier searchability and more automation opportunities + +• Clarification of adverse items and their severity + +• More objective valid values for property condition to allow more efficiency when routing + +internal reviews + +April 2025 | 8 + +How It All Works Together + +Minimize review times and improve productivity: + +• Streamlined GSE messaging on all property types + +• + +Increased machine-readable data that better identifies key risk indicators + +GSE selling and servicing guides and systems will be updated to align with the new UAD + +Fannie Mae +Early Check® +Collateral Underwriter® +Desktop Underwriter® (DU®) +Loan Delivery® + +Freddie Mac +Loan Quality Advisor® +Loan Collateral Advisor® +Loan Product Advisor® (LPA®) +Loan Selling Advisor® + +April 2025 | 9 + +How It All Works Together + +New UAD Compliance API + +Reduce revisions – the appraiser can check UAD compliance early (prior to submitting +to client) + +• Appraisal software vendors will have access to each GSE’s API to verify that the +data complies with the UAD specification for conditionality and completeness + +April 2025 | 10 + +How It All Works Together + +Modernized Uniform Collateral Data Portal® (UCDP) functionality supports UAD v3.6 whether +through a vendor-provided solution or GSE’s web-based interface + +• UCDP remains a common portal for submitting appraisal data files + +• The SSR redesign provides more pertinent information; available in PDF and JSON + +• Message severity updates and removal of manual overrides + +• Retrieval of the submitted appraisal XML file and PDF report directly from UCDP diff --git a/chunks/txt/1046bd32babd0958a1872eba1d39ea8503085dec39b58f31efe6fc2175023e6c.txt b/chunks/txt/1046bd32babd0958a1872eba1d39ea8503085dec39b58f31efe6fc2175023e6c.txt new file mode 100644 index 0000000000000000000000000000000000000000..20ec0c0fb3673945dc4c762a5a00ebbf361faa1e --- /dev/null +++ b/chunks/txt/1046bd32babd0958a1872eba1d39ea8503085dec39b58f31efe6fc2175023e6c.txt @@ -0,0 +1,72 @@ +▪ UCD v2.0 Tab 4b- +Revision Log +v1.5-v2.0 for UIDs +of all deleted +FEE_DETAIL +data points. + +© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners. + +December 2025 + +2 + +This document 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. + +Change + +Description + +Potential Impact + +Allow industry to +identify fees more +accurately + +▪ Many new ucd:FeeItemType + +▪ Fees you have had to provide in + +enumerations were added to replace +and reduce current mappings to ‘Other’ +for FeeType. The new enumerations +were added from the MISMO v3.6 +reference model, suggestions from +MISMO work groups, as well as text +often included in the +FeeTypeOtherDescription data point. + +▪ ucd:FeeItemType enumerations have + +been given a separate tab and a special +search feature in the UCD v2.0. + +FeeTypeOtherDescription now likely can be delivered +using a new ucd:FeeItemType enumeration. + +• Use ucd:FeeItemTypeOtherDescription only when +an enumeration that reasonably reflects the fee is +not supported by the UCD Specification version. + +• If a reasonable, valid enumeration exists in the UCD + +for the item being represented on the Closing +Disclosure (CD), it must be provided in the UCD +XML file. + +▪ A few UCD v1.5 FeeType enumerations have + +been retired. Use the granular +ucd:FeeItemType enumerations for each line +item on the CD. +• AmortizationFee +• CLOAccessFee +• GeneralCounselFee +• NewLoanAdministrationFee +• PropertyTaxStatusResearchFee +• TaxRelatedServiceFee +• TransferTaxTotal + +Additional +Information diff --git a/chunks/txt/105f343f17e79c600ce5aa79d4d18e022d71c4760760b4d31a4a83360671dfcc.txt b/chunks/txt/105f343f17e79c600ce5aa79d4d18e022d71c4760760b4d31a4a83360671dfcc.txt new file mode 100644 index 0000000000000000000000000000000000000000..40c26cd454530c54360ce71636a86c3e149f7e29 --- /dev/null +++ b/chunks/txt/105f343f17e79c600ce5aa79d4d18e022d71c4760760b4d31a4a83360671dfcc.txt @@ -0,0 +1,129 @@ +Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2) + +Uniform Residential Appraisal Report + +Page 18 of 24 +Page 18 of 24 + +Sales Comparison Approach (continued) + +Sales Comparison Map + +This is where the map of sales and rental comparables would display. + +Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2) + +Uniform Residential Appraisal Report + +Page 19 of 24 +Page 19 of 24 + +Sales Comparison Approach (continued) + +Sales Comparison Approach Exhibits + +Comparable #1 + +Comparable #2 + +This is where the Comparable 1 photo would display. + +This is where the Comparable 2 photo would display. + +Comparable #3 + +Comparable #4 + +This is where the Comparable 3 photo would display. + +This is where the Comparable 4 photo would display. + +Rental Information + +Rent Schedule + +Subject Property Rental Information + +Currently +Rented +No + +Occupancy +Vacant + +Monthly +Rent +$0 + +Month-to- +Month + +Lease Start + +Rent +Control +No + +Rent +Concessions + +Utilities/ +Services +Included + +Furnished + +Actual Income (Monthly) + +Rent + +Subtotal + +Other Real Property Rental Income + +None + +Subtotal + +Total + +$0 + +$0 + +$0 + +$0 + +$0 + +Opinion of Market Income (Monthly) + +Rent + +$3,500 + +Subtotal + +$3,500 + +Other Real Property Rental Income + +None + +Subtotal + +$0 + +$0 + +Total + +$3,500 + +Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2) + +Uniform Residential Appraisal Report + +Page 20 of 24 +Page 20 of 24 diff --git a/chunks/txt/1060b493f1921ca9d8cef5898c7986c6c780d2ce7480739b0f5bcb1b6083ac55.txt b/chunks/txt/1060b493f1921ca9d8cef5898c7986c6c780d2ce7480739b0f5bcb1b6083ac55.txt new file mode 100644 index 0000000000000000000000000000000000000000..771f2ec021ba69f8f905a918b3e5d4f685f7eda9 --- /dev/null +++ b/chunks/txt/1060b493f1921ca9d8cef5898c7986c6c780d2ce7480739b0f5bcb1b6083ac55.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34966","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); })(); diff --git a/chunks/txt/108f44918fd21ba0368fddbedcf45236d2d87847af3df5049169113f0214b719.txt b/chunks/txt/108f44918fd21ba0368fddbedcf45236d2d87847af3df5049169113f0214b719.txt new file mode 100644 index 0000000000000000000000000000000000000000..d0593e401269512d79ce083560a962bfe4d98f56 --- /dev/null +++ b/chunks/txt/108f44918fd21ba0368fddbedcf45236d2d87847af3df5049169113f0214b719.txt @@ -0,0 +1,90 @@ +The Comparable Sales selected for use in this report were selected for their similar characteristics and location. While comparing each +property to the subject I found the following: Comp #1 is the most similar to the subject; it is located in the same building and on the same +floor level as the subject. Further, it is the most similar in size, condition, and quality. Comp #2 is larger in size but still located in the same +building; its condition and quality are similar to the subject. Comp #3 is from a competing project located close to the subject; it is slightly +smaller in size, in similar condition, and the project amenities are effectively equal to those of the subject project. Comp #3 is not a historically +designated property. + +Additional Properties Analyzed Not Used + +# +1 + +2 + +3 + +4 + +5 + +Property Address +2700 Bar Harbor Ave, NW +Unit 1009 +Washington, DC 20001 + +700 New Haven Ave, NW +Unit 308 +Washington, DC 20001 + +700 New Haven Ave, NW +Unit 920 +Washington, DC 20001 + +702 New Haven Ave, NW +Unit 514 +Washington, DC 20001 + +2700 President Ave, NW +Unit 1234 +Washington, DC 20001 + +Sale Date +07/24/2019 + +Status +Settled Sale + +Reason Not Used +Finished Area + +Comment +The unit is much smaller than the subject. + +07/31/2019 + +Settled Sale + +Dated Sale + +08/02/2019 + +Settled Sale + +07/14/2019 + +Settled Sale + +08/10/2019 + +Settled Sale + +Bathroom Count +Bedroom Count +Finished Area + +Bathroom Count +Bedroom Count +Finished Area + +Finished Area +Water View + +More recently sold comparable properties were +available. + +This unit has more bathrooms and bedrooms +than the subject; it’s also a larger unit. + +This unit has more bathrooms and bedrooms +than the subject; it’s also a larger unit. diff --git a/chunks/txt/10980fdbe6054436457d943e12390d00aedf89bf048f81abbfca03570cdf5729.txt b/chunks/txt/10980fdbe6054436457d943e12390d00aedf89bf048f81abbfca03570cdf5729.txt new file mode 100644 index 0000000000000000000000000000000000000000..773253b63aec008b078968e698c428ca41e07fae --- /dev/null +++ b/chunks/txt/10980fdbe6054436457d943e12390d00aedf89bf048f81abbfca03570cdf5729.txt @@ -0,0 +1,33 @@ +When the borrower owns property – other than the subject property – that is rented, the lender must document the monthly +gross (and net) rental income with: + +• +• + +the borrower’s most recent signed federal income tax return that includes Schedule 1 and Schedule E, + the most recent signed federal business income tax return for a partnership or S corporation, that includes IRS Form 8825 +(when only rental income is reported on the K-1), or + +• both of the above, when rental properties are reported on both personal and business returns. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 37 of 166 + +UAD 3.6 Policy +When ordinary income is also reported on Schedule K-1, along with IRS Form 8825 rental income, all documentation guidelines noted +in Selling Guide B3-3.2-01 Underwriting Factors and Documentation for Self-Employed Borrower or Schedule K- 1 Income in Selling +Guide B3-3.1-09 Other Sources of Income apply. + +Note: For rental income reported on Schedule E of personal returns, copies of the current lease agreement(s) may be +substituted if the borrower can document a qualifying exception. See Reconciling Partial or No Rental History on Tax Returns +(Schedule E Only) below and Calculating Monthly Qualifying Rental Income (or Loss). + +Reconciling Partial or No Rental History on Tax Returns (Schedule E Only) + +When rental income is being used to qualify, the lender must consider whether the income reported on the most recent signed +personal federal income tax returns is appropriate to use in underwriting. + +To determine qualifying rental income, in those scenarios where the borrower has only a partial rental history on the personal +federal tax returns, the lender must determine the period of time the rental property was in service (that is, rented, with the +borrower receiving rental income from that property.) diff --git a/chunks/txt/10be25ad55f1209b102aabd97f045a307c4950d67c050d1839c8165398af448f.txt b/chunks/txt/10be25ad55f1209b102aabd97f045a307c4950d67c050d1839c8165398af448f.txt new file mode 100644 index 0000000000000000000000000000000000000000..9e015c2cef6f6f92388e621ed4883609e25b4071 --- /dev/null +++ b/chunks/txt/10be25ad55f1209b102aabd97f045a307c4950d67c050d1839c8165398af448f.txt @@ -0,0 +1,17 @@ +[**Appendix B-2: Restricted Appraisal Update Report Implementation Guide**](/media/document/pdf/appendix-b-2-restricted-appraisal-update-report-implementation-guide) + +The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. + +[**Appendix C-2: Restricted Appraisal Update Report Layout**](/media/document/zip/appendix-c-2-restricted-appraisal-update-report-layout) + +This zip file contains the Restricted Appraisal Update Report with Report Field IDs document and the Restricted Appraisal Update Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Restricted Appraisal Update Report, regardless of conditionality. + +[**Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File**](/media/document/zip/appendix-d-2-restricted-appraisal-update-report-sample-scenario-and-xml-file) + +This zip file contains an example scenario, accompanying XML, and a document that summarizes the scenario, including key characteristics and changes since the last published version. + +[**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + +This zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted. + +[**Appendix F-2: Restricted Appraisal Update Report Reference Guide**](/media/document/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide) diff --git a/chunks/txt/10beabde901cb24900c2fcafc6f2b75618e6adfc228d3f4d340c745ee3d8667f.txt b/chunks/txt/10beabde901cb24900c2fcafc6f2b75618e6adfc228d3f4d340c745ee3d8667f.txt new file mode 100644 index 0000000000000000000000000000000000000000..47dfabc195ebb2ac1cecd3e9e8f7f62e4ff21833 --- /dev/null +++ b/chunks/txt/10beabde901cb24900c2fcafc6f2b75618e6adfc228d3f4d340c745ee3d8667f.txt @@ -0,0 +1,315 @@ +2017-06-07 + +805000 + +Sale + +TypicallyMotivated + +None + +false + +GolfCourse + +Other + +Gated Community + +13010 + +Full + +Residential + +Full + +GolfCourse + +28200 Mary Ln + +Anytown + +54321 + +IL + +Driveway + +Asphalt + +4 + +false + +Attached + +Garage + +2 + +0 + +PropertyOwnershipTransferTerms + +0 + +FinancingMethod + +0 + +SalesConcessions + +0 + +ContractDate + +0 + +SaleDate + +10000 + +ProjectInformation + +0 + +SiteSize + +0 + +NeighborhoodName + +8500 + +SiteInfluence + +0 + +View + +9000 + +NonContinuousFinishedArea + +3000 + +DisasterMitigationFeatures + +7500 + +LivingUnitBedroomCount + +-3500 + +LivingUnitBathroomCount + +25250 + +LivingUnitStandardFinishedAreaAboveGrade + +0 + +LivingUnitStandardFinishedAreaBelowGrade + +3400 + +LivingUnitUnfinishedAreaBelowGrade + +-2000 + +OutdoorLivingAmenity + +10000 + +VehicleStorage + +12500 + +OverallQualityRating + +918650 + +NorthEast + +Less + +true + +true + +619 + +2 + +.85 + +83650 + +false + +false + +ImpactResistantGlass + +true + +Gold + +LEED + +235 + +Monthly + +AssociationDues + +Dwelling + +2018 + +false + +Stock Flooring + +Flooring + +8 Ft. | Stock + +WallsAndCeiling + +150 + +1350 + +1200 + +false + +2 + +2 + +2 + +C1 + +Q4 + +2 + +Mid-Grade Finishes + +Stock Grade Appliances + +Kitchen + +Vinyl + +ExteriorWallsAndTrim + +Basement + +Foundation + +Composition + +Roof + +C1 + +Q4 + +1 + +0 + +NaturalGas + +ForcedWarmAir + +PropertyPhoto + +\\Images\Condo2_Comp2.jpg + +image/jpeg + +55 + +827000 + +SettledSale + +25.165175 + +-51.328127 + +Timberwolf Hollow + +IngroundPool + +SportsCourt + +Condominium + +Fox Hollow + +Deck + +Patio + +Porch + +OutdoorLiving + +2 + +IndoorFireplace + +WholeHome + +0 + +Detached + +1 + +true + +1 + +C1 + +Q4 + +false + +true + +FeeSimple + +true + +false + +false + +true + +2018-03-30 + +835000 + +Sale + +TypicallyMotivated + +None + +false + +Park + +Residential + +12950 diff --git a/chunks/txt/10c1a62556a57710c32b0ec8ecf87cc1a70e8fd86bee38b2c32acd6a6faaab5c.txt b/chunks/txt/10c1a62556a57710c32b0ec8ecf87cc1a70e8fd86bee38b2c32acd6a6faaab5c.txt new file mode 100644 index 0000000000000000000000000000000000000000..f021d047eaab407ba4d7f65ba7cb793552fb3900 --- /dev/null +++ b/chunks/txt/10c1a62556a57710c32b0ec8ecf87cc1a70e8fd86bee38b2c32acd6a6faaab5c.txt @@ -0,0 +1,9 @@ +Appraisal Update Commentary ................................................................................................................................................................................. 15 + +Page 4 + +Appraisal Update Exhibits .......................................................................................................................................................................................... 16 + +04 Assignment Information ___________________________________________________________________________________________________ 16 + +Overview .............................................................................................................................................................................................................................. 16 diff --git a/chunks/txt/10c87528112afaa72fe9c2e76b1cc8dab4979858c6f125d2bce05a49a5e24f1f.txt b/chunks/txt/10c87528112afaa72fe9c2e76b1cc8dab4979858c6f125d2bce05a49a5e24f1f.txt new file mode 100644 index 0000000000000000000000000000000000000000..1d10701730c2ea259a13d45dd754884c4a4810a7 --- /dev/null +++ b/chunks/txt/10c87528112afaa72fe9c2e76b1cc8dab4979858c6f125d2bce05a49a5e24f1f.txt @@ -0,0 +1,236 @@ +23454 Sue Rd +Anytown, IL 54321 + +This is where the Dwelling +Front photo would display. + +This is where the +Comparable 1 photo +would display. + +This is where the +Comparable 2 photo +would display. + +This is where the +Comparable 3 photo +would display. + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Contract Price + +Sale Price + +Transfer Terms + +Financing Type + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Property Rights Appraised + +Same Builder as Subject + +Project Information + +Project Name | Same +Project as Subject + +Monthly Fee + +Common Amenities/Services + +$895,000 + +Pending + +$895,000 + +No + +05/16/2018 + +26 + +Detached + +Fee Simple + +MLS 2342532 | +Assessor Record + +MLS 3425353 | +Assessor Record + +MLS 32453404 | +Assessor Record + +0.75 Miles NE + +$905,000 + +Settled Sale + +— + +$905,000 + +0.85 Miles NE + +$827,000 + +Settled Sale + +— + +$835,000 + +Typically +Motivated + +Cash + +Unknown + +Unknown + +03/30/2018 + +21 + +Detached + +Fee Simple + +No + +$0 + +$0 + +$0 + +$0 + +$0 + +Typically +Motivated + +Cash + +Unknown + +Unknown + +03/30/2018 + +55 + +Detached + +Fee Simple + +No + +$0 + +$0 + +$0 + +$0 + +$0 + +Typically +Motivated + +Cash + +No + +03/16/2018 + +04/30/2018 + +16 + +Detached + +Fee Simple + +Yes + +$0 + +$10,000 + +0.12 Miles E + +$899,000 + +Settled Sale + +— + +$905,000 + +$0 + +$0 + +$0 + +$0 + +Grammy Gold + +XYZ Project | No + +Fox Hollow | No + +Grammy Gold | Yes + +$500 + +$525 + +$235 + +$500 + +Clubhouse | Club +Membership | Gated +Community | Inground +Pool | Snow Removal +| Trash Removal + +Clubhouse | Club +Membership | Gated +Community | Inground +Pool | Snow Removal +| Trash Removal + +Inground Pool | Sports Court + +Clubhouse | Club +Membership | Gated +Community | Inground +Pool | Snow Removal +| Trash Removal diff --git a/chunks/txt/10cbbbe6090014cdc2be9aba3864a0907ed7336e4d2cac38525778370ad15cf3.txt b/chunks/txt/10cbbbe6090014cdc2be9aba3864a0907ed7336e4d2cac38525778370ad15cf3.txt new file mode 100644 index 0000000000000000000000000000000000000000..aed9a9bc6cb59bb3ab8e8c38deb1b2d3b1ee7442 --- /dev/null +++ b/chunks/txt/10cbbbe6090014cdc2be9aba3864a0907ed7336e4d2cac38525778370ad15cf3.txt @@ -0,0 +1,100 @@ +537 + +N/A + +N/A + +N/A + +N/A + +Longitude Number + +538 + +N/A + +N/A + +N/A + +N/A + +Latitude Number + +The Y value of the geographic coordinate +system using geodetic model based on +North American datum of 1983. +The X value of the geographic coordinate +system using geodetic model based on +North American datum of 1983. +The Y value of the geographic coordinate +system using geodetic model based on +North American datum of 1983. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/LOCATION/@Lati +tudeNumber +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/LOCATION/@Lon +gitudeNumber +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@ +LatitudeNumber + +10 + +50 + +25 + +2 + +10 + +1 + +1 + +10 + +1 + +1 + +10 + +19 + +30 + +30 + +30 + +This field should be populated if field 6-27 +(Supervisor Name) is populated. + +If field 6-27 (Supervisor Name) is populated +or field 6-15 is populated with 'trainee', then +one and only one of fields 6-34, 6-35 +(Appraiser License Identifier) must be +populated. + +If field 6-27 (Supervisor Name) is populated +or field 6-15 is populated with 'trainee', then +one and only one of fields 6-34, 6-35 +(Appraiser License Identifier) must be +populated. + +This field should be populated if field 6-27 +(Supervisor Name) is populated. + +This field should be populated if field 6-27 +(Supervisor Name) is populated. + +If field 6-27 (Supervisor Name) is populated +then one and only one of fields 6-38, 6-39 +(Appraisal Inspection Property Type = +'Subject' and values of Appraisal Inspection +Type) should be indicated. diff --git a/chunks/txt/10d62cc5a91b71fc3485b76098ecfe17e41b0bc7b0dbbe8b529752a17a6a0b33.txt b/chunks/txt/10d62cc5a91b71fc3485b76098ecfe17e41b0bc7b0dbbe8b529752a17a6a0b33.txt new file mode 100644 index 0000000000000000000000000000000000000000..a2facd3207d416f244bb35f9d4a9f46f1ff5b046 --- /dev/null +++ b/chunks/txt/10d62cc5a91b71fc3485b76098ecfe17e41b0bc7b0dbbe8b529752a17a6a0b33.txt @@ -0,0 +1,64 @@ +For more information, see the ULDD webpage. + +Jul 22, 2024 + +Edit Updates + +See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates +including: + +© 2023 Fannie Mae Page 7 of 10 + +• +• +• +• +• + +1 edit deactivated, C32 +1 edit moving from warning to fatal for credit score +3 edits moving from informational to warning for monthly income validations and UCD compare +4 new warning edits to validate lien priority type and housing counseling +12 new informational edits and 4 edits modified to support the second implementation of ULDD Phase 5, see above +for details + +Aug 26, 2024 + +Value Acceptance + +Currently, LD edit D29 validates the delivery of value acceptance SFCs on a loan. Effective August 26, we will create two new +edits to provide more granularity in the edit process and direct lenders to the specific SFC that is not valid. + +• +• +• + +Edit D324 will validate if SFC 801 is permitted on the loan +Edit D325 will validate if SFC 807 is permitted on the loan +Edit D29 will remain active + +See the Loan Delivery Business Rules for a more details. + +Aug 26, 2024 + +Edit Updates + +See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates +including: + +• +• +• +• + +16 new informational edits to validate Property Data – CPM +1 edit moving from informational to warning for loan limits +3 edits moving from warning to fatal for lien type, HomeStyle renovation, and SMP +2 fatal Value Acceptance edits (see above for details) + +Sep 23, 2024 + +Edit Updates + +See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates +including: diff --git a/chunks/txt/1115a4f3c9615c6f3cc9d5b19e3cf41051c3eae7d2dcf35107fd846250d261f3.txt b/chunks/txt/1115a4f3c9615c6f3cc9d5b19e3cf41051c3eae7d2dcf35107fd846250d261f3.txt new file mode 100644 index 0000000000000000000000000000000000000000..714f1db1ac9d6b761e9664a7f91e41c151bff59f --- /dev/null +++ b/chunks/txt/1115a4f3c9615c6f3cc9d5b19e3cf41051c3eae7d2dcf35107fd846250d261f3.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/advisory-bulletin" +date_accessed: "2026-01-27T17:54:20.340Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/11514246baf3b8e49053bd2b92992c65d316a4a9a9bc94bc98636e8e059617a6.txt b/chunks/txt/11514246baf3b8e49053bd2b92992c65d316a4a9a9bc94bc98636e8e059617a6.txt new file mode 100644 index 0000000000000000000000000000000000000000..47ef98adde58af1a6c22b68c8de6c4060802ef02 --- /dev/null +++ b/chunks/txt/11514246baf3b8e49053bd2b92992c65d316a4a9a9bc94bc98636e8e059617a6.txt @@ -0,0 +1,456 @@ +T + +CR + +CR + +T + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +T + +CR + +CR + +CR + +T + +CR + +T + +T + +T + +T + +CR + +CR + +T + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +T + +CR + +T + +T + +CR + +CR + +T + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +T + +CR + +T + +T + +CR + +CR + +T + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +T + +CR + +T + +T + +CR + +CR + +T + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +T + +CR + +T + +T + +CR + +CR + +T + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +T + +CR + +T + +T + +CR + +CR + +T + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +T + +CR + +T + +T + +UAD Consolidated Schema Matrix +Appendix B: GSE Appraisal Forms Mapping + +Page 6 of 211 + +Document Version 1.4 + +MISMO Data Point Name + +Inspection Date + +.PARTIES +..SUPERVISOR +...INSPECTION (Comparable) +Appraisal Inspection Property Type + +Appraisal Inspection Type + +Inspection Date + +.PARTIES +..LENDER +Lender Unparsed Name** + +Appraisal Forms Unparsed Address + +.PARTIES +..LENDER +...CONTACT_DETAIL +.…CONTACT_POINT +Contact Point Type** + +Contact Point Value** + +.PARTIES +..BORROWER +...BORROWER_EXTENSION +….BORROWER_EXTENSION_SECTION +Extension Section Organization Name +…..BORROWER_EXTENSION_SECTION_DATA +…...BORROWER_NAME +GSE Borrower Name + +.PARTIES +..MANAGEMENT_COMPANY_EXTENSION +...MANAGEMENT_COMPANY_EXTENSION_SECTION +Extension Section Organization Name +.…MANAGEMENT_COMPANY_EXTENSION_SECTION_DATA +…..MANAGEMENT_COMPANY +GSE Management Company Name + +1004/70 + +1004 +Hybrid/ +70H + +1004 +Desktop/ +70D + +2055 + +1073/465 + +1073 +Hybrid/ +465H + +1073 +Desktop/ +465D + +1075/466 + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R,T* + +T + +R,T* + +T + +R,T* + +T + +R,T* + +T + +R,T* + +T + +R,T* + +T + +R,T* + +T + +R,T* + +T + +T + +T + +T diff --git a/chunks/txt/1152943fb43dd6e5544656a729fe124ac1ad879ebd8a620bedf9c8602c2bae02.txt b/chunks/txt/1152943fb43dd6e5544656a729fe124ac1ad879ebd8a620bedf9c8602c2bae02.txt new file mode 100644 index 0000000000000000000000000000000000000000..8b614d3002dcd30c9bdb762cc41ba64fdfe1a6d6 --- /dev/null +++ b/chunks/txt/1152943fb43dd6e5544656a729fe124ac1ad879ebd8a620bedf9c8602c2bae02.txt @@ -0,0 +1,111 @@ +U +N +I +T + +D +E +S +C +R +I +P +T +I +O +N + +P +R +I +O +R + +S +A +L +E + +H +I +S +T +O +R +Y + +Describe the condition of the project and quality of construction. + +Individual Condominium Unit Appraisal Report (Hybrid) + +File # + +Describe the common elements and recreational facilities. + +Are any common elements leased to or by the Homeowners’ Association? + +Yes + +No If Yes, describe the rental terms and options. + +Is the project subject to ground rent? + +Yes + +No If Yes, $ + +per year (describe terms and conditions) + +Are the parking facilities adequate for the project size and type? + +Yes + +No If No, describe and comment on the effect on value and marketability. + +did + +I +the analysis was not performed. + +did not analyze the condominium project budget for the current year. Explain the results of the analysis of the budget (adequacy of fees, reserves, etc.), or why + +Are there any other fees (other than regular HOA charges) for the use of the project facilities? + +Yes + +No If Yes, report the charges and describe. + +Compared to other competitive projects of similar quality and design, the subject unit charge appears + +High + +Average + +Low If High or Low, describe + +Are there any special or unusual characteristics of the project (based on the condominium documents, HOA meetings, or other information) known to the appraiser? + +Yes + +No If Yes, describe and explain the effect on value and marketability. + +per month X 12 = $ +Unit Charge $ +Utilities included in the unit monthly assessment + +per year + Heat + +None + +Annual assessment charge per year per square feet of gross living area = $ + +Air Conditioning + +Electricity + +Gas + +Water + +Sewer diff --git a/chunks/txt/11558554d0cbeed506de82a8b2c92bef50c44c26aceef185724ded002b78fcc5.txt b/chunks/txt/11558554d0cbeed506de82a8b2c92bef50c44c26aceef185724ded002b78fcc5.txt new file mode 100644 index 0000000000000000000000000000000000000000..626b99119b82c3543ff18a3940ee6e59209b4efe --- /dev/null +++ b/chunks/txt/11558554d0cbeed506de82a8b2c92bef50c44c26aceef185724ded002b78fcc5.txt @@ -0,0 +1,5 @@ +Comparable Property Image Data .............................................................................................................................................................................................. 49 + +Subject Property Image Data ..................................................................................................................................................................................................... 49 + +Defects, Damages, and Deficiencies ........................................................................................................................................................................................................ 56 diff --git a/chunks/txt/117fba661a3af810a4c03aa188ae6135a670712982256f7a0d2e81dc7fb0438f.txt b/chunks/txt/117fba661a3af810a4c03aa188ae6135a670712982256f7a0d2e81dc7fb0438f.txt new file mode 100644 index 0000000000000000000000000000000000000000..b1154357a4603a352eb902000c2d6e86f31e28ac --- /dev/null +++ b/chunks/txt/117fba661a3af810a4c03aa188ae6135a670712982256f7a0d2e81dc7fb0438f.txt @@ -0,0 +1,135 @@ +Zoning Compliance + +Legal Nonconforming + +Site Built +Detached + +Overall Quality +Overall Condition + +Q5 +C4 + +Yes No +  +  +  +  +  + +Yes No +  + +This is where the Subject Property photo would display. + +Apparent Defects, Damages, Deficiencies Requiring Action + +There are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 2 of 29 +Page 2 of 29 + +NEW PG + +Assignment Information + +Assignment Reason +Borrower Name +Seller Name +Current Owner of Public Record + +Purchase +Betty Borrower +Sydney Seller +Sydney Seller + +Property Valuation Method + +Traditional Appraisal + +Was a Property Data Report used in lieu of an +Inspection? + +Yes No +  + +Contact Information + +Client/Lender + +Company Name +Company Address + +Appraiser + +Name +Company Name +Company Address + +Random National Bank +123456 Main St +Nowhere, NE 98765 + +Tom Appraiser +Arthur Appraiser Appraisals +98765 Holiday Hwy +Surfside, HI 12345 + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +Physical +Physical +10/05/2019 + +Credentials + +Level +ID +State +Expires + +Supervisory Appraiser + +Name +Designation +Company Name +Company Address + +Arthur Appraiser +ASA +Arthur Appraiser Appraisals +98765 Holiday Hwy +Surfside, HI 12345 + +Credentials + +Level +ID +State +Expires + +Scope of Inspection by Supervisory Appraiser + +Subject Property Inspection + +Exterior +Interior + +No Inspection +No Inspection + +Trainee Appraiser +1111TRHI +HI +12/31/2021 diff --git a/chunks/txt/118527c4df7013a0d307c3942488ba00e4c3f29bcf1dd4b2023efcdd4acf92f7.txt b/chunks/txt/118527c4df7013a0d307c3942488ba00e4c3f29bcf1dd4b2023efcdd4acf92f7.txt new file mode 100644 index 0000000000000000000000000000000000000000..5acab36464bd3a43bc9ce6767c364bd396ec7dcf --- /dev/null +++ b/chunks/txt/118527c4df7013a0d307c3942488ba00e4c3f29bcf1dd4b2023efcdd4acf92f7.txt @@ -0,0 +1,19 @@ +[]() # The Latest + +## Recent Publications + +[**FHFA Continues to Monitor and Assess the Adequacy of Fannie Mae’s Allowance for Loan Losses in Its Multifamily Line of Business** (EVL-2026-001) - 01/06/2026](/sites/default/files/EVL-2026-001_redacted.pdf) + +[**Compendium of Unimplemented Recommendations (January 2026)** - 01/01/2026](/sites/default/files/CompendiumJanuary2026.pdf) + +[**Thirtieth Semiannual Report to Congress** - 04/01/2025 to 09/30/2025](/sites/default/files/Thirtieth%20Semiannual%20Report%20to%20Congress.pdf) + +[**The Division of Federal Home Loan Bank Regulation Needs to Improve Controls Over Internal Model Risk** (AUD-2025-009) - 09/29/2025](/sites/default/files/AUD-2025-009.pdf) + +## Press Releases + +[**Grand jury indicts owners of real estate investment group, closing & title company employees in more than $50 million bank fraud conspiracy** - 01/14/2026](/sites/default/files/Grand-jury-indicts-owners-of-real-estate-investment-group%2C-closing-%26-title-company-employees-in-more-than-%2450-million-bank-fraud-conspiracy.pdf) + +[**Former President of Failed Oklahoma Bank Indicted for Bank Fraud** - 12/04/2025](/sites/default/files/Former-President-of-Failed-Oklahoma-Bank-Indicted-for-Bank-Fraud.pdf) + +[**New Jersey Man Sentenced To Federal Prison For Scheme To Fraudulently Obtain Bank Loans Guaranteed By The SBA** - 11/14/2025](/sites/default/files/NEW-JERSEY-MAN-SENTENCED-TO-FEDERAL-PRISON-FOR-SCHEME-TO-FRAUDULENTLY-OBTAIN-BANK-LOANS-GUARANTEED-BY-THE-SBA.pdf) diff --git a/chunks/txt/118dd2d6f73b7f13ec6e264d5f8d9b1cfeed94d674a8b0de9e405cf6d38be95a.txt b/chunks/txt/118dd2d6f73b7f13ec6e264d5f8d9b1cfeed94d674a8b0de9e405cf6d38be95a.txt new file mode 100644 index 0000000000000000000000000000000000000000..3de3ee2b14e56f0d055dd22c897fb9a438b49d22 --- /dev/null +++ b/chunks/txt/118dd2d6f73b7f13ec6e264d5f8d9b1cfeed94d674a8b0de9e405cf6d38be95a.txt @@ -0,0 +1,80 @@ +Page 351 + +Client Requested Conditions + +The Client Requested Conditions subsection displays when AdditionalClientRequestedConditionsIndicator (UID: 1300.0019, FID: Not on +report) = "true". (Figure 26 - 3) + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +Display Rules + +Reconciliation: Client Requested Conditions + +26.014 + +Value Condition + +1300.0022 PropertyValuationConditionalConclusionType + +26.015 + +Marketing or Exposure +Time + +1300.0026 MarketingOrExposureTimeType + +26.016 + +Duration + +1300.0023 MarketingOrExposureDaysCount + +1300.0024 +1300.0025 + +MarketingOrExposureHighRangeDaysCount +MarketingOrExposureLowRangeDaysCount + +26.017 + +26.018 + +Alternate Opinion of Value +Requested Condition +Commentary + +1300.0027 AdditionalOpinionOfValueAmount + +1300.0029 + +AdditionalClientRequestedConditionsCommentDescript +ion + +Display when AdditionalClientRequestedConditionsIndicator = "true" + +Display when AdditionalClientRequestedConditionsIndicator = "true" + +The data must be provided in 1 of 2 ways: + +− a single number followed by “days”, (e.g., 45 days) OR +− two numbers indicating a range with the low and high numbers +separated by “-“ and followed by “days” (e.g., 30-60 days). + +Display when AdditionalClientRequestedConditionsIndicator = "true" + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 26 - 3 + +Page 352 + +Reconciliation of Market Value + +The Reconciliation of Market Value subsection always displays. Comments are required and must be delivered using +ValuationReconciliationSummaryCommentDescription (UID: 1300.0021, FID: 26.019). If multiples, display on a separate row in the table. diff --git a/chunks/txt/11bf2358873b4752c0d7496e5a088a8f4b8b7c3fe06ff26396b745351d5ec062.txt b/chunks/txt/11bf2358873b4752c0d7496e5a088a8f4b8b7c3fe06ff26396b745351d5ec062.txt new file mode 100644 index 0000000000000000000000000000000000000000..1379bb7a4993815f8818240b7c57e9837495cd14 --- /dev/null +++ b/chunks/txt/11bf2358873b4752c0d7496e5a088a8f4b8b7c3fe06ff26396b745351d5ec062.txt @@ -0,0 +1,108 @@ +SUBJECT + +Property Rights Appraised +Other (describe) + +Property Rights +Type Other +Description + +A free form text field used to collect +additional information when Other is +selected for Property Rights Type. + +/VALUATION_RESPONSE/PROPERTY/@_RightsTypeOtherDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +This field should be populated if field 1-30 +(Property Rights Type = 'Other') is indicated. + +SUBJECT + +Assignment Type +Purchase Transaction + +Appraisal Purpose +Type + +Specifies the purpose of the appraisal +assignment. + +/VALUATION_RESPONSE/REPORT[@AppraisalPurposeType=‘Purchase +’] + +SUBJECT + +Assignment Type +Refinance Transaction + +Appraisal Purpose +Type + +Specifies the purpose of the appraisal +assignment. + +/VALUATION_RESPONSE/REPORT[@AppraisalPurposeType=‘Refinanc +e’] + +9 + +9 + +9 + +Enumerated UAD Requirement - Refer to Appendix D Subject Section + +Enumerated UAD Requirement - Refer to Appendix D Subject Section + +Enumerated UAD Requirement - Refer to Appendix D Subject Section + +SUBJECT + +SUBJECT + +Assignment Type +Other + +Assignment Type +Other (describe) + +SUBJECT + +Lender/Client + +SUBJECT + +Lender/Client Address + +Appraisal Purpose +Type + +Specifies the purpose of the appraisal +assignment. + +Appraisal Purpose +Type Other +Description +Lender Unparsed +Name + +Appraisal Forms +Lender Unparsed +Address + +A free form text field used to collect +additional information when Other is +selected for Appraisal Purpose Type. +The name of the party or entity designated +as the lender for the loan. +The unparsed address of the lender. +Generally includes the street address, +suite number, city, state and zip code. +FORM SPECIFIC FIELD diff --git a/chunks/txt/11c9c0d55ea41a6bc2596721065cb737bc472932cc3656f671344b45a67f5852.txt b/chunks/txt/11c9c0d55ea41a6bc2596721065cb737bc472932cc3656f671344b45a67f5852.txt new file mode 100644 index 0000000000000000000000000000000000000000..8fc2c662bd69a9e62c5de1007ff504bd1a99edcf --- /dev/null +++ b/chunks/txt/11c9c0d55ea41a6bc2596721065cb737bc472932cc3656f671344b45a67f5852.txt @@ -0,0 +1,39 @@ +Notes: +• These rows must be brought into the rental comparison grid when there is relevant and meaningful information for the subject and all +comparables, and adding the row leads to credible results. Not reporting a meaningful attribute can be misleading by omission. +• These rows are indicated in this chapter with the Report Label in blue italics, and “If relevant” in the “When Row Displays” column. + +Appendix F-1: URAR Reference Guide + +Page 290 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Additional Rows + +23 Rental Information + +One or more additional rows may be added to the rental comparison grid to provide context and impactful details. These rows must only be used +when atypical characteristics are observed. Do not add rows for information that is already available as a predefined row. + +Unit to Unit Comparison + +Each comparable column provides a unit-to-unit comparison instead of a property-to-property comparison. Comparable units must be provided for +each subject unit that is included in the Rental Information section. +• Each subject property unit has its own rental comparison grid. +• Each comparable represents a unit and not necessarily the entire property. +• A comparable unit may be compared to more than one subject unit. + +Comparison to Subject Unit + +Some features (rows) in the rental comparison grid require a comparison to the subject unit instead of reporting the specific characteristics of the +comparable unit. +• Project Common Amenities / Services +• Site Influence +• View from Unit +• Vehicle Storage | Spaces +• Overall Comparison to Subject + +Rental Information: Comparison to Subject Unit diff --git a/chunks/txt/11cda2e571d92e748a7a8636bdacd829ff473ff317c6518cca8df543d5604258.txt b/chunks/txt/11cda2e571d92e748a7a8636bdacd829ff473ff317c6518cca8df543d5604258.txt new file mode 100644 index 0000000000000000000000000000000000000000..c4e40715b8a1630b1f5ce1403308ec434f39d2af --- /dev/null +++ b/chunks/txt/11cda2e571d92e748a7a8636bdacd829ff473ff317c6518cca8df543d5604258.txt @@ -0,0 +1,33 @@ +5. If this appraisal report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are +defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this +appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and +valid as if a paper version of this appraisal report were delivered containing my original hand written signature. + +APPRAISER + +SUPERVISORY APPRAISER (ONLY IF REQUIRED) + +Signature _____________________________________________ +Name ________________________________________________ +Company Name ________________________________________ +Company Address ______________________________________ + _____________________________________________________ +Telephone Number ______________________________________ +Email Address __________________________________________ +Date of Signature and Report ______________________________ +Effective Date of Appraisal ________________________________ +State Certification # _____________________________________ +or State License # _______________________________________ +or Other _____________________ State # ____________________ +State _________________________________________________ +Expiration Date of Certification or License ____________________ + +ADDRESS OF PROPERTY APPRAISED + _____________________________________________________ + _____________________________________________________ +APPRAISED VALUE OF SUBJECT PROPERTY $ _________________ +LENDER/CLIENT +Name ________________________________________________ +Company Name ________________________________________ +Company Address ______________________________________ +Email Address __________________________________________ diff --git a/chunks/txt/11d839625261557e059e04aedccba2949f69cd3ccd5ec45d6b770c63cccb6eb2.txt b/chunks/txt/11d839625261557e059e04aedccba2949f69cd3ccd5ec45d6b770c63cccb6eb2.txt new file mode 100644 index 0000000000000000000000000000000000000000..f15fdabf41b05b469ba32cfba0a62fd10ebe4f1f --- /dev/null +++ b/chunks/txt/11d839625261557e059e04aedccba2949f69cd3ccd5ec45d6b770c63cccb6eb2.txt @@ -0,0 +1,43 @@ +- ## Conservatorships Progress Report + +This document reports on Fannie Mae's and Freddie Mac's progress on the initiatives outlined in the Strategic Plan for the Enterprise Conservatorships. + +[Read More](/reports/conservatorships-progress-report) + +- ## Annual Performance Plan + +This annual plan identifies strategic objectives consistent with the Strategic Plan's framework along with the means and strategies or the key activities, actions, processes, and technologies that FHFA will use in the fiscal year to achieve each strategic objective outlined in the Strategic Plan. + +[Read More](/reports/fhfa-annual-performance-plan) + +- ## ​Annual Report to Congress + +This annual report presents the findings of FHFA's examinations of Fannie Mae, Freddie Mac, and the Federal Home Loan Bank System. + +[Read More](/reports/annual-report-to-congress) + +- ## Conservatorships Performance Goals - Scorecard + +The Conservatorship Scorecard aligns the Strategic Plan with the Enterprises’ tactical priorities and operations, serving as an essential tool to hold the Enterprises accountable for the effective implementation of the Strategic Plan. + +[Read More](/reports/conservatorships-performance-goals-scorecard) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/11dafef4066de870967abde38edb795a4f8bbc1ef4d8cf1ced12d49414d19ffb.txt b/chunks/txt/11dafef4066de870967abde38edb795a4f8bbc1ef4d8cf1ced12d49414d19ffb.txt new file mode 100644 index 0000000000000000000000000000000000000000..89d053a8d6a7dd2d5813b247d9623f36f5240179 --- /dev/null +++ b/chunks/txt/11dafef4066de870967abde38edb795a4f8bbc1ef4d8cf1ced12d49414d19ffb.txt @@ -0,0 +1,25 @@ +▪ You may have additional internal work to update processes, train your staff, or confirm readiness of + +outside vendors before you are ready to check “yes” to all questions. + +• Submit your completed Questionnaire to UAD_Info@FannieMae.com and UAD@FreddieMac.com and copy + +both of your GSE account representatives. Each GSE will review your submission and readiness for +participation in the Limited Production Period and communicate GSE-specific approval and next steps via +email. + +The Broad Production Period spans from January 26, 2026 through November 2, 2026. During this time, lenders +will not be required to complete the Questionnaire. Aggregators should still communicate with their correspondents +when they are ready to accept UAD 3.6 appraisal reports. + +Additional Information + +A complete implementation timeline and the supporting materials referenced can be accessed on the Freddie Mac +UAD webpage and Fannie Mae UAD webpage. + +© 2025 Freddie Mac and Fannie Mae. Trademarks of respective owners. + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the +Federal Housing Finance Agency. + +3 of 3 diff --git a/chunks/txt/1213844ff6915f58addd259cd1c729d97765da70d7c441fd66a6302efb8c1758.txt b/chunks/txt/1213844ff6915f58addd259cd1c729d97765da70d7c441fd66a6302efb8c1758.txt new file mode 100644 index 0000000000000000000000000000000000000000..d76bd149c3a146becdd04756b5fe1c2be6269f29 --- /dev/null +++ b/chunks/txt/1213844ff6915f58addd259cd1c729d97765da70d7c441fd66a6302efb8c1758.txt @@ -0,0 +1,60 @@ +11.3 Reg §1026.38(j)(1)(iv), pp. 80125, 80021. + +11.4 | 11.5 Reg §1026.38(j)(1)(v), pp. 80125, 80357, 80021. + +11.6 Reg §1026.38(j)(1)(vi) and (vii), pp. 80125, 80021. + +11.7 Reg §1026.38(j)(1)(viii), pp. 80125, 80021. + +11.8 Reg §1026.38(j)(1)(ix), pp. 80125, 80021. + +11.9 Reg §1026.38(j)(1)(x), pp. 80125, 80357, 80021. + +Appendix E: UCD Implementation Guide + +Page 171 of 254 + +Version 1.4 + +Uniform Closing Dataset + +12.0 L. Paid Already by or on Behalf of Borrower at Closing + +12.0 L. PAID ALREADY BY OR ON BEHALF OF BORROWER AT CLOSING + +The data included in section L. Paid Already by or on Behalf of Borrower at Closing (Section L) includes the +Deposit, Loan Amount or Assumption Amount, Subordinate Loan Amounts (if applicable), Seller and Other +Credits, miscellaneous closing Adjustments, and Adjustments for Items Unpaid by the Seller at closing. + +Summaries of Transactions +BORROWER’S TRANSACTION + +12.0 L. Paid Already by or on Behalf of Borrower at Closing + +0112.1 Deposit + +0212.2 Loan Amount + +0312.3 Existing Loan(s) Assumed or Taken Subject to +0412.4 Second Loan (Principal Balance $10,000) +05 + +Satisfaction of Junior Lien ($5,000 POC Borrower) + +06 12.5 Seller Credit + +12.6 Other Credits + +07 Rebate from Epsilon Title Co. + +12.7 Adjustments + +08 Relocation Funds from Employer, Inc. + +Adjustments for Items Unpaid by Seller + +1212.8 City/Town Taxes 1/1/14 to 4/14/14 + +1312.9 County Taxes __ to __ + +1412.10 Assessments _ to __ diff --git a/chunks/txt/1219868b1600133f1a9627cb22c24d301daf0285c437c04c68dceca80dec8d7d.txt b/chunks/txt/1219868b1600133f1a9627cb22c24d301daf0285c437c04c68dceca80dec8d7d.txt new file mode 100644 index 0000000000000000000000000000000000000000..4950c26fd98cd4567e01c5f05f58260dd9985f19 --- /dev/null +++ b/chunks/txt/1219868b1600133f1a9627cb22c24d301daf0285c437c04c68dceca80dec8d7d.txt @@ -0,0 +1,268 @@ +This field may not exist in all forms vendor +software. + +This field may not exist in all forms vendor +software. + +This field may not exist in all forms vendor +software. + +This field may not exist in all forms vendor +software. + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 75 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +468 + +469 + +470 + +471 + +472 + +473 + +474 + +475 + +476 + +477 + +478 + +479 + +480 + +481 + +5 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +5 + +6 + +7 + +8a + +8b + +8c + +9 + +10 + +11 + +4a + +HEADER + +BLANK + +Appraiser Additional +File Identifier + +Used to indicate by name the type of +identifier represented by +AppraisersAdditionalFileIdentifier. + +/VALUATION_RESPONSE/REPORT/@Appra +iserAdditionalFileIdentifier + +2 + +3 + +4 + +HEADER + +BLANK + +HEADER + +File # + +Report Title +Description + +Appraiser File +Identifier + +HEADER + +BLANK + +Appraiser Additional +File Identifier Name + +Used to specify the title of a report. + +/VALUATION_RESPONSE/REPORT/@_Title +Description + +This is an identifier or number used +by the appraiser to identify their +reports. It is generally specific to the +appraiser +Secondary report identifier used by +the appraiser to identify appraisal +reports. This field may carry the FHA +number, case number, loan number or +some other identifier. diff --git a/chunks/txt/122407df5867e551445b2da2cbc7ecb6274e80cd37e05c3692eba096e4b0817c.txt b/chunks/txt/122407df5867e551445b2da2cbc7ecb6274e80cd37e05c3692eba096e4b0817c.txt new file mode 100644 index 0000000000000000000000000000000000000000..0c35d5287925415b7ae103a802d0ca36f851f53d --- /dev/null +++ b/chunks/txt/122407df5867e551445b2da2cbc7ecb6274e80cd37e05c3692eba096e4b0817c.txt @@ -0,0 +1,24 @@ +Master Servicing Platform Release Notes + +November 16, 2019 + +Effective November 18, 2019, the Loan Servicing Data Utility (LSDU) 3.2 release will be implemented to support new +Loan Data Change Module and additional functionality. LSDU is a suite of self-service tools providing servicers with +accurate, near real-time, loan-level data and data exceptions, allowing for continuous reconciliation of Fannie Mae +loans, cash positions, and offering operational efficiencies. + +The following updates are included in this release: + +• Updates to the User Interface (UI) + +Updates to the User Interface (UI) + +With this release, updates will be made to the look and feel of the UI in LSDU. These will include an accessibility +update to external users who will now be able to access the LSDU application Monday through Saturday, 24 hours a +day. This was changed from the previous access timeframe of 8am – 9pm EST, Monday through Saturday. + +For More Information + +For more information about this release, please contact Future of Servicing or Master Servicing at 1-800-2FANNIE. + +© 2019 Fannie Mae 12.3.19 Page 1 of 1 diff --git a/chunks/txt/123c2a5289ded9e2792594f896d78dbd28dd4f157dab31190328508034a93bb4.txt b/chunks/txt/123c2a5289ded9e2792594f896d78dbd28dd4f157dab31190328508034a93bb4.txt new file mode 100644 index 0000000000000000000000000000000000000000..b0de927929c3b94658e32c7fb576f02be3a3160b --- /dev/null +++ b/chunks/txt/123c2a5289ded9e2792594f896d78dbd28dd4f157dab31190328508034a93bb4.txt @@ -0,0 +1,43 @@ +String + +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. + +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. The print +reference placement on Appendix C is not required and is for illustrative +purposes only. + +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. The print +reference placement on Appendix C is not required and is for illustrative +purposes only. + +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). The following address elements must be +included in this field: +· Street number +· Street name (including applicable pre-directional indicator, suffix, and/or +post-directional indicator) +· Address unit designator and number (if applicable) +This data is referenced more than once on the form (field 1-6, 2-11, 6-19), and +must be represented consistently. + +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). The following address element must be +included in this field: +· City +This data is referenced more than once on the form (field 1-7, 2-12a, 6-20a) +and must be represented consistently. +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). The following address element must be +included in this field: +· USPS two-letter state or territory representation +This data is referenced more than once on the form (fields 1-8, 2-12b, 6-20b), +and must be represented consistently. +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). The following address element must be +included in this field: +· 5-digit ZIP Code or ZIP+4 Code (with or without the dash) +This data is referenced more than once on the form (fields 1-9, 2-12c, 6-20c) +and must be represented consistently. diff --git a/chunks/txt/123debba6e51b14ff39058e74343582d69f7f915b5ddd1127635830ffff423f0.txt b/chunks/txt/123debba6e51b14ff39058e74343582d69f7f915b5ddd1127635830ffff423f0.txt new file mode 100644 index 0000000000000000000000000000000000000000..8e695b76ed65947571cc654a2656bd8c5cb143ac --- /dev/null +++ b/chunks/txt/123debba6e51b14ff39058e74343582d69f7f915b5ddd1127635830ffff423f0.txt @@ -0,0 +1,126 @@ +Appendix F-1: URAR Reference Guide + +Page 82 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +04 Site + +Report +Field ID + +4.111 + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Site: Site Valuation Methodology - Land Comparables + +Assessor Parcel +Number (APN) + +If available for each +land comparable + +Free-form + +A number assigned to parcels of real property by the tax assessor of a particular +jurisdiction for purposes of identification and record-keeping. + +4.112 + +Site Size + +Required for each land +comparable + +Number of acres, +square feet, +hectares, or +square meters + +The total area of the site, including all parcels. +• + +For area less than 1 acre, use square feet in whole numbers (e.g., 27,840 +sq. ft.). +For area that is 1 acre or more, use acres to 2 decimals (e.g., 1.25 acres). +If using the metric system, for area less than 1 hectare, use square meters +in whole numbers (e.g., 7,500 sq. m.). +If using the metric system, for area that is 1 hectare or more, use hectares +to 2 decimals (e.g., 1.25 hectares). + +• +• + +• + +4.113 + +Sale Date + +4.114 + +Price + +Required for each land +comparable + +Required for each land +comparable + +mm/dd/yyyy + +Dollar amount + +Sale Price + +Reconciliation of Site Value + +Reconciliation of Site Value + +Report +Field ID + +4.115 + +Report Label + +When to Include + +Reconciliation of +Site Value + +Required if Site Value +Developed by +Appraiser is Yes + +Allowable +Answers / Format + +Free-form + +See +iGuide + +Map of Land +Comparables + +If relevant + +Image + +Definition / Additional Guidance + +Commentary should include information pertinent to the Opinion of Site Value +that is not captured in the discrete data, or additional details to support the +discrete data that is provided, including access, utilities, zoning, views, or site +influences of the land comparables in relation to the subject. diff --git a/chunks/txt/12461835d8c69ec8d0a9eaa0881b2cab03851e5df66c1d28f30b77f30c22a972.txt b/chunks/txt/12461835d8c69ec8d0a9eaa0881b2cab03851e5df66c1d28f30b77f30c22a972.txt new file mode 100644 index 0000000000000000000000000000000000000000..78bacc738b0aa6c677fafed862149471f62e7c83 --- /dev/null +++ b/chunks/txt/12461835d8c69ec8d0a9eaa0881b2cab03851e5df66c1d28f30b77f30c22a972.txt @@ -0,0 +1,34 @@ +© 2024 Fannie Mae 10.24.24 Page 1 of 2 + +In Case You Missed It + +Effective +Date + +January 22 + +Impacted Area Description + +UCD User Interface – +Informational +Qualified Mortgage +Data Point Lookup + +On Jan. 22, 2024, a new tab was added to the UCD User Interface (UI) that will display data points related to Qualified +Mortgage (QM) thresholds. + +Lenders are required to deliver data elements related to QM in the UCD file, including the method by which the creditor +satisfied the Ability to Repay (ATR) requirements or reason for exemption, the Annual Percentage Rate (APR) and Average +Prime Offer Rate (APOR) percentages, Regulation Z Total Loan Amount, and Regulation Z Total Points and Fees Amount. + +These data points are used to perform QM related checks at time of delivery in Loan Delivery. The edits validate that the +data related to the APR-APOR spread thresholds and points and fees provided in UCD meets the requirements outlined in +the Lender Letter LL-2021-11. + +The new informational tab in the UCD UI will allow a search by Casefile ID to display the values from UCD that are used in +performing the Loan Delivery QM edits, along with the APR-APOR spread and points and fees percentage for quick +reference. +See the Loan Delivery Quality Mortgage Edits Job Aid for additional information on the current Loan Delivery edits. A new +UCD QM tab Quick Guide provides additional information on the new tab. + +© 2024 Fannie Mae 10.24.24 Page 2 of 2 diff --git a/chunks/txt/1247b05cd25b1a5d0d8b2bf9cda89a7d0d13c64c5b13b780651811021f0aa7d8.txt b/chunks/txt/1247b05cd25b1a5d0d8b2bf9cda89a7d0d13c64c5b13b780651811021f0aa7d8.txt new file mode 100644 index 0000000000000000000000000000000000000000..4be8fecc77a9b44570f3a3fb991b7318f679d20c --- /dev/null +++ b/chunks/txt/1247b05cd25b1a5d0d8b2bf9cda89a7d0d13c64c5b13b780651811021f0aa7d8.txt @@ -0,0 +1,18 @@ +3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency +(or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an +identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or +implied, regarding this determination. + +4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, +unless specific arrangements to do so have been made beforehand, or as otherwise required by law. + +5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the +presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or +she became aware of during the research involved in performing this appraisal. Unless otherwise stated in this appraisal +report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the +property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, +adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no +such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any +such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions +exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be +considered as an environmental assessment of the property. diff --git a/chunks/txt/1260de0a004ee5e7e2699202df98a0ee3454b5da92e630e81cd0a02b4a4ebe9a.txt b/chunks/txt/1260de0a004ee5e7e2699202df98a0ee3454b5da92e630e81cd0a02b4a4ebe9a.txt new file mode 100644 index 0000000000000000000000000000000000000000..d408659c10242c792fc6265af80fc4cb5af8ae1d --- /dev/null +++ b/chunks/txt/1260de0a004ee5e7e2699202df98a0ee3454b5da92e630e81cd0a02b4a4ebe9a.txt @@ -0,0 +1,22 @@ +Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K + +Uniform Residential Appraisal Report + +Page 17 of 19 +Page 17 of 19 + +This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of +assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions +and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis +necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the +certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material +alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an +appraisal organization, are permitted. + +Scope of Work + +The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users, +the intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the +applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject +property; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property +reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report. diff --git a/chunks/txt/1268ae0b59386500e72ea447d08251fd613ed3cfa3a2daab31a6777bafde43d8.txt b/chunks/txt/1268ae0b59386500e72ea447d08251fd613ed3cfa3a2daab31a6777bafde43d8.txt new file mode 100644 index 0000000000000000000000000000000000000000..775c74f82c65abc2f79e976d293a334a15506ccd --- /dev/null +++ b/chunks/txt/1268ae0b59386500e72ea447d08251fd613ed3cfa3a2daab31a6777bafde43d8.txt @@ -0,0 +1,35 @@ +[]() + +- [Home](/) + - [Delivering](/delivering) + - [Uniform Mortgage Data Program](/delivering/uniform-mortgage-data-program) + - [Uniform Closing Dataset](/delivering/uniform-mortgage-data-program/uniform-closing-dataset) + - FAQs: Uniform Closing Dataset + +Delivering + +# FAQs: Uniform Closing Dataset + +**September 29, 2025 Updates** + +The GSEs have compiled some of the most common Uniform Closing Dataset (UCD) questions below. Questions are grouped by topic: General, Loan Delivery, Embedded Closing Disclosure PDF in the UCD XML File, UCD Critical Edits, Fees, UCD File Content, Qualified Mortgages, and XML File Technical Considerations. + +The following provides answers to questions frequently asked about Fannie Mae’s and Freddie Mac’s (GSEs’) jointly developed Uniform Closing Dataset (UCD). The GSEs developed the UCD at the direction of the Federal Housing Finance Agency (FHFA) as part of the Uniform Mortgage Data Program® (UMDP®), an ongoing initiative to enhance loan quality and consistency through uniform loan data standards for the single-family loans the GSEs purchase. + +FAQs updated September 29, 2025 + +##### Uniform Closing Dataset + +[Learn More](/delivering/uniform-mortgage-data-program/uniform-closing-dataset) + +##### Technology Integration + +[Learn More](/technology-integration/technology-integration-resources) + +### + +General + +**1. What is the Uniform Closing Dataset (UCD)?** + +The UCD is a common industry dataset allowing information on the Closing Disclosure (CD) to be communicated electronically in a standardized format. The UCD was developed and is maintained by Fannie Mae and Freddie Mac (GSEs) and is published on each GSE’s UCD webpage as *UCD v1.5 and UCD v2.0 Specifications.* diff --git a/chunks/txt/127c279656e276284b786481e97a987ccb0cc5ebd22340ebc5f082f52d3a89ca.txt b/chunks/txt/127c279656e276284b786481e97a987ccb0cc5ebd22340ebc5f082f52d3a89ca.txt new file mode 100644 index 0000000000000000000000000000000000000000..94feabe4c5ebc53e297fa0433e3d23b01a8b1c19 --- /dev/null +++ b/chunks/txt/127c279656e276284b786481e97a987ccb0cc5ebd22340ebc5f082f52d3a89ca.txt @@ -0,0 +1,117 @@ +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Oth +er' and +@_ManagementTypeOtherDescription='HomeownersAssociationAndDeveloperA +ndManagementAgent'] + +51 + +51 + +Enumerated + +This field should be indicated if Developer and Management Agent are checked. + +Enumerated + +This field should be indicated if HOA, Developer and Management Agent are checked. + +189 + +1 + +178 + +PROJECT +INFORMATION + +Provide name of management +company + +Project +Management +Agent Name + +Used to identify the management agent's +name if Management Agent is indicated +in Project Management Type. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ManagementAgentNam +e + +200 + +String + +190 + +1 + +179 + +PROJECT +INFORMATION + +191 + +1 + +180 + +PROJECT +INFORMATION + +192 + +1 + +181 + +PROJECT +INFORMATION + +Does any single entity (the same +individual, investor group, +corporation, etc.) own more +than 10% of the total units in +the project? +Yes + +Project +Concentrated +Ownership +Indicator + +Does any single entity (the same +individual, investor group, +corporation, etc.) own more +than 10% of the total units in +the project? +No + +Does any single entity (the same +individual, investor group, +corporation, etc.) own more +than 10% of the total units in +the project? +If Yes, describe + +Project +Concentrated +Ownership +Indicator + +Project +Concentrated +Ownership +Description + +Indicates that one person or entity holds +more than ten (10) percent ownership of +the project. FORM-SPECIFIC FIELD. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ConcentratedOwnershi +pIndicator='Y'] + +Indicates that one person or entity holds +more than ten (10) percent ownership of +the project. FORM-SPECIFIC FIELD. diff --git a/chunks/txt/12866aa2ea8f5fc07ddc9f172066eb2856b2142d99a3f24c1ffdb63addf0b541.txt b/chunks/txt/12866aa2ea8f5fc07ddc9f172066eb2856b2142d99a3f24c1ffdb63addf0b541.txt new file mode 100644 index 0000000000000000000000000000000000000000..84b70ce469e9d69af35bdd80b77295d532803edd --- /dev/null +++ b/chunks/txt/12866aa2ea8f5fc07ddc9f172066eb2856b2142d99a3f24c1ffdb63addf0b541.txt @@ -0,0 +1,32 @@ +N O T E : The Required Investment Calculation change will only apply to loan casefiles underwritten with FHA version 4.1 +only. However, to ensure proper calculations by DU, lenders should continue to only use Line D. on no cash-out and +limited cash-out loan casefiles underwritten with FHA version 4.0. + +▪ The service used by DU to standardize the address in order to determine the county in which the property is located will be +updated. The updated version of the service will now return data based on 2020 census. This value is sent to the FHA TOTAL +scorecard, which determines the county loan limit for display by DU. + +NOTE: This change will apply to version 4.1 only. + +▪ One FHA message will be updated for clarity and one message will be removed to better align with the FHA Single Family + +Housing Policy Handbook. These changes will apply to both FHA version 4.0 and 4.1. + +FHA Positive Rental History + +For all cases with an FHA Case Assignment date on or after March 25, or for cases submitted or resubmitted on or after March 25 +without an FHA case number, the FHA TOTAL Scorecard will generate an error if a valid value for Positive Rental History is not +provided in the Government Section. For cases where Positive Rental History does not apply, including refinances, lenders + +© 2023 Fannie Mae. Trademarks of Fannie Mae. + +3.9.23 + +1 of 2 + +should provide a value of “No”. Refinances with any value other than “No” will also generate an error from FHA. This change will +be reflected in the next DU Spec update. + +Additional Resources + +For additional information, please reference the documents and web sites listed below. diff --git a/chunks/txt/129187e964d32825cf5d0bf0edf2ce846c513202e54d22e3770d28b18f3d10ae.txt b/chunks/txt/129187e964d32825cf5d0bf0edf2ce846c513202e54d22e3770d28b18f3d10ae.txt new file mode 100644 index 0000000000000000000000000000000000000000..3841e74f104a390436712d35a2595a19ef4b0841 --- /dev/null +++ b/chunks/txt/129187e964d32825cf5d0bf0edf2ce846c513202e54d22e3770d28b18f3d10ae.txt @@ -0,0 +1,193 @@ +…/FEE/FEE_PAYME +NTS/FEE_PAYMENT + +FeeActualPayment +Amount + +450.00 + +ROF as “$450.00” + +8.17.2 Paid by Others + +FeePaymentPaidBy +Type + +ThirdParty + +ROF as ”Paid by +Others” + +Appendix E: UCD Implementation Guide + +Page 141 of 254 + +Version 1.4 + +Uniform Closing Dataset + +8.0 Other Costs Table + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +Table 100. Other Line Items + +8.17.2 At Closing + +false + +ROF as “At Closing” + +FeePaymentPaidOu +tsideOfClosingIndic +ator + +Fifth Instance of FEE + +N/A - GSE + +…/FEE/FEE_DETAIL + +FeePaidToType + +ThirdPartyProvider Not shown – + +UID +8.180 + +8.17 + +Real Estate +Commission +(Listing) + +8.17 N/A - XML + +8.17 N/A + +N/A - GSE + +UID +8.186 + +8.17.1 Real Estate +Commission +(Listing) to _____ + +…/FEE/FEE_PAID_T +O/LEGAL_ENTITY/L +EGAL_ENTITY_DETA +IL + +ATR/QM + +ROF as “Real Estate +Commission +(Listing)” + +FeeType + +RealEstateCommiss +ionSellersBroker + +@gse:DisplayLabelT +ext + +IntegratedDisclosur +eSectionType + +Real Estate +Commission +(Listing) + +OtherCosts + +OptionalCostIndicat +or + +false + +RegulationZPointsA +ndFeesIndicator + +true + +Not shown unless = +“true” + +Not Shown – +ATR/QM + +FullName + +Alpha Real Estate +Broker + +Payee company +name + +8.17.2 Seller-Paid At + +Closing ($) + +…/FEE/FEE_PAYME +NTS/FEE_PAYMENT + +FeeActualPayment +Amount + +5700.00 + +ROF as “$5,700.00” + +8.17.2 Seller-Paid + +8.17.2 At Closing + +FeePaymentPaidBy +Type + +Seller + +ROF as “Seller- +Paid” + +false + +ROF as “At Closing” + +FeePaymentPaidOu +tsideOfClosingIndic +ator + +Sixth Instance of FEE + +N/A – GSE + +…/FEE/FEE_DETAIL + +FeePaidToType + +ThirdPartyProvider Not shown – + +UID +8.180 + +8.17 + +Real Estate +Commission +(Selling) diff --git a/chunks/txt/129491fbe243eeacf6bee09184b2ef6ea8618ccdd0bc0488a4b7603af0a057d9.txt b/chunks/txt/129491fbe243eeacf6bee09184b2ef6ea8618ccdd0bc0488a4b7603af0a057d9.txt new file mode 100644 index 0000000000000000000000000000000000000000..63357fe85c6c78387eeee9c2afdeac6c26342e5d --- /dev/null +++ b/chunks/txt/129491fbe243eeacf6bee09184b2ef6ea8618ccdd0bc0488a4b7603af0a057d9.txt @@ -0,0 +1,89 @@ +Dwelling Exterior Exhibits + +Dwelling Rear + +This is where the Dwelling Rear photo would display. + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 6 of 20 + +Manufactured Home + +Manufacturer Name +Year Installed +Moved Since Original Installation No + +XYZ Homes +2020 + +Attached to Permanent +Foundation +Towing Hitch, Wheels, Axles +Removed +Manufactured Home Width +Skirting + +Yes + +Yes +Multi +Poured Concrete + +Yes No +Have there been any modifications, attachments, or additions that rely on or have altered the original structure for support?   + +HUD Data Plate + +HUD Data Plate Attached +Date of Manufacture +Serial Number + +HUD Certification Label + +Yes +09/01/2020 +gaelw43232790-er293/ +gbelw43232790-er293 + +HUD Wind Zone +HUD Thermal Zone +HUD Roof Load Zone + +Zone I +Zone 1 +South + +Label Present for All Sections + +Yes + +HUD Certification Number + +ere32498213 +ere32498214 + +Manufactured Home Certification Program + +Certification +Fannie Mae MH Advantage + +Identifier +SAB032251MLAX + +Freddie Mac CHOICEHome + +CH1000001 + +Manufactured Home Commentary + +The subject is a manufactured home that was built to HUD Code and structurally designed and constructed to accommodate site-built +features. Specifically, for the subject, the attached garage and front porch which were constructed at the time of installation. + +CHOICEHome and MH Advantage manufactured homes are constructed with features and characteristics that exceed the minimum HUD +Code. This may include drywall interiors, elevated roof pitch, higher standard energy efficiency features, greater R-value insulation, and +upgraded plumbing fixtures and cabinetry. Each MH Advantage or CHOICEHome must have at least two of the following features: attached +garage or carport, roof dormers or porch. These homes may also have solid surface counters and vaulted, tray, or beamed ceilings along with +other quality upgrades. diff --git a/chunks/txt/129e8db2fde0ab4e86a64ab3b583170d72755a2f25241ee01680dfd5b6d836ad.txt b/chunks/txt/129e8db2fde0ab4e86a64ab3b583170d72755a2f25241ee01680dfd5b6d836ad.txt new file mode 100644 index 0000000000000000000000000000000000000000..42334d057be677db3a8a91297e41589b414e0d49 --- /dev/null +++ b/chunks/txt/129e8db2fde0ab4e86a64ab3b583170d72755a2f25241ee01680dfd5b6d836ad.txt @@ -0,0 +1,101 @@ +5.6.1 $356 +5.6.2 a month + +This estimate includes +5.6.3  Property Taxes +5.6.4  Homeowners Insurance +5.6.5  Other: Homeowner’s Association Dues + +In escrow? +YES/NO /SO ME +YES/NO /SO ME +NO /YES/SO ME + +See Escrow Account on page 4 for details. You must pay for other +property costs separately. + +Figure 67. Estimated Taxes, Insurance & Assessments + +5. 6. 1 | 5. 6. 2 TOTAL PERI ODI C PAYMENT AMOUNT + +The total periodic payment for ETI&A is submitted using the following UCD data points. The same data point +(PaymentFrequencyType) used to indicate the payment period for the Estimated Total Payment amount also +populates the ETI&A period, and will appear only once in the XML file. + +Table 84. ETI&A Payment Period and Total Periodic Amount + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +5.6.1 + +Estimated Taxes, +Insurance +& Assessments ($) + +…/ESTIMATED_PRO +PERTY_COST_DETAI +L + +ProjectedPaymentE +stimatedTaxesInsur +anceAssessmentTot +alAmount + +356.16 + +ROF as “$356.16” + +5.6.2 | +5.5 + +a month + +…/PROJECTED_PAY +MENT + +PaymentFrequency +Type + +Monthly + +▪ ROF as “a +month” +▪ This value + +populates two +sections of the +Projected +Payments Table, +but appears in +PROJECTED_PAY +MENT only once. + +Appendix E: UCD Implementation Guide + +Page 98 of 254 + +Version 1.4 + +Uniform Closing Dataset + +5.0 Projected Payments Table + +5. 6. 3 – 5. 6.5 PROPERTY CHARGE S I NCLUDED I N ETI &A AMOUNT + +The ETI&A amount is the sum of periodic property charges for taxes, insurance and assessments. This amount +must be disclosed regardless of whether an escrow account is established for the payment of any of these +charges. Lenders must indicate for each line item whether it is to be paid from an escrow account (“YES” or +“NO”). Checkboxes next to the periodic ETI&A amount indicate the charges included: diff --git a/chunks/txt/12a656a16fe0e5ea42ec22ad174831a4f5341cd46da1774b15884531b6cdb072.txt b/chunks/txt/12a656a16fe0e5ea42ec22ad174831a4f5341cd46da1774b15884531b6cdb072.txt new file mode 100644 index 0000000000000000000000000000000000000000..89a5115323da54e12fbe07becb98e2004d2aaaaf --- /dev/null +++ b/chunks/txt/12a656a16fe0e5ea42ec22ad174831a4f5341cd46da1774b15884531b6cdb072.txt @@ -0,0 +1,121 @@ +Report +Field ID + +Not on +Report + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Water Frontage with Private Access + +N/A + +Required if Site +Influence (22.03.42) is +Body of Water + +Yes | No + +Site +• + +This is an +appraiser +input that +does not +display + +Property Has +Private Access +Rights to the Body +of Water Not on +Report + +No + +Property Has Private Access Rights to the Body of Water: Indicates +whether the property has private access to the associated body of +water. + +This represents private access from the property only, either through a +community buffer or exclusive to the property. Do not select Yes to +report on public, community, or project waterfront access and +amenities. + +Appendix F-1: URAR Reference Guide + +Page 234 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report +Field ID + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Water Frontage with Private Access + +22.04.05 Water + +Frontage with +Private Access +(subsection +heading) + +When the +subject or any +comparable +has private +access to one +or more +bodies of +water + +For Each Body of Water with Private Access + +Yes +22.04.05 + +Any adjustment for the Water Frontage with Private Access subsection +is made in this row. + +The appraiser must indicate which bodies of water have private access from the property and may also provide additional information about each +one. diff --git a/chunks/txt/12a9788f47d3d0702ee9bfb3cb73a356902b10a46091f9ac0b797af410b05ec9.txt b/chunks/txt/12a9788f47d3d0702ee9bfb3cb73a356902b10a46091f9ac0b797af410b05ec9.txt new file mode 100644 index 0000000000000000000000000000000000000000..72f39065bef87a85d39974f5f8bf68695bced510 --- /dev/null +++ b/chunks/txt/12a9788f47d3d0702ee9bfb3cb73a356902b10a46091f9ac0b797af410b05ec9.txt @@ -0,0 +1,7 @@ +[**Click here**](/media/document/xlsx/du-validation-service-verification-report-vendors-excel) to view an easily sortable list of eligible verification reports and the authorized report suppliers and distributors who provide the reports. + +Authorized Report Providers work with various integration technology providers to support the automated ordering and delivery of the verification reports. [Avantus](https://avantus.com/products_los.shtml), [CoreLogic](https://www.corelogic.com/), [Equifax](https://www.equifax.com/business/mortgage), [First American Mortgage Solutions](https://www.firstam.com/mortgagesolutions/markets/mortgage-origination.html), [FormFree](https://www.formfree.com/integrations-and-resellers/), [NCS (National Credit-reporting System, Inc.)](http://www.ncstrv.com/solutions/day-1-certainty/), [SharperLending](https://tvppro.com/day-1-certaintytm-info/), and [Veri-Tax](https://veri-tax.com/partners/fannie-mae-day-1-certainty/) post lists of integration technology providers with which they have relationships. Please contact the technology provider directly for more information on the specific integrations and services they provide. + +*NOTE: Fannie Mae does not endorse any particular vendor, and does not represent or warrant that any report supplier will meet a lender's requirements. Lenders must establish controls to manage and monitor the vendors in accordance with their own regulatory requirements.* + +Fannie Mae is committed to ensuring that vendors on our platform are providing high-quality data. As part of our ongoing vendor monitoring, we encourage lenders to report any data discrepancies they see in any third-party verification reports to the[](/cdn-cgi/l/email-protection#610550023e050015003e05081202130411000f02183e12040d073e1304110e13152107000f0f08040c00044f020e0c)[Day 1 Certainty Data Discrepancy Mailbox](https://singlefamily.fanniemae.com/form/day_1_certainty_data_discrepancy)[.](/cdn-cgi/l/email-protection#6a0e5b09350e0b1e0b350e031909180f1a0b04091335190f060c35180f1a05181e2a0c0b0404030f070b0f44090507) diff --git a/chunks/txt/1303df0896b20047f2c0adbd8640b98e29d378826115ebe72c309f9b38ccf7c6.txt b/chunks/txt/1303df0896b20047f2c0adbd8640b98e29d378826115ebe72c309f9b38ccf7c6.txt new file mode 100644 index 0000000000000000000000000000000000000000..59e8d923e2374a7513e04f7b1a3c096258360133 --- /dev/null +++ b/chunks/txt/1303df0896b20047f2c0adbd8640b98e29d378826115ebe72c309f9b38ccf7c6.txt @@ -0,0 +1,86 @@ +Legal Entity Identifier (LEI): LEI is a + +new HMDA data element that is a +unique identification number associated + +87 The CFPB implemented the TRID closing +disclosure to provide a single disclosure to help +consumers understand all of the costs of a mortgage +transaction prior to closing, in accordance with the +direction of the Dodd-Frank Wall Street Reform and +Consumer Protection Act. See CFPB, Integrated +Mortgage Disclosures Under the Real Estate +Settlement Procedures Act (Regulation X) and the +Truth In Lending Act (Regulation Z), Final Rule, 78 +FR 79730 (Dec. 31, 2013). Regulation C incorporates +some items exactly from the TRID closing +disclosure. See, e.g., 80 FR at 66211 (defining +Regulation C Origination Charges as the same as +data entered on the closing disclosure). The +Enterprises’ UCD includes the data from the TRID +closing disclosure. See Uniform Closing Dataset +FAQ Updates, at https://www.fanniemae.com/ +content/faq/uniform-closing-dataset-faqs.pdf (June +28, 2019) (joint Enterprise publication). + +88 12 CFR 1003.4(a)(17)(i). +89 12 CFR 1003.4(a)(18). +90 12 CFR 1003.4(a)(20). +91 12 CFR 1003.4(a)(10)(i); Appendix B to Part + +1003. + +VerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00043 Fmt 4703 Sfmt 4703 E:\FR\FM\03JNN1.SGM 03JNN1 + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +2 +4 +C +V +5 +F +9 +K +S +D +n +o + +r +e +t +t +o + +l + +Federal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices + +34203 + +with the single legal entity that +originated the loan.92 LEI is the first 20 +characters of the 45-character Universal +Loan Identifier (ULI), which is a new +HMDA data element that is collected by +the Enterprises (discussed below in +Section II.B.5.).93 LEI is intended to be +published by the CFPB without +modification, although the ULI is +excluded to protect borrower privacy.94 diff --git a/chunks/txt/1305aac8ce2cac862e191230e81cbe9d01745856369c20b5a80ca1aea7115e6b.txt b/chunks/txt/1305aac8ce2cac862e191230e81cbe9d01745856369c20b5a80ca1aea7115e6b.txt new file mode 100644 index 0000000000000000000000000000000000000000..3c1009bd26414d64e4601a961b8de9deec6a3c0e --- /dev/null +++ b/chunks/txt/1305aac8ce2cac862e191230e81cbe9d01745856369c20b5a80ca1aea7115e6b.txt @@ -0,0 +1,57 @@ +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/C +OMPARISON_DETAIL_EXTENSION/COMP +ARISON_DETAIL_EXTENSION_SECTION[ +@ExtensionSectionOrganizationName='UNIFO +RM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTE +NSION_SECTION_DATA/COMPARISON_D +ETAIL/@GSEBasementExitType + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/C +OMPARISON_DETAIL_EXTENSION/COMP +ARISON_DETAIL_EXTENSION_SECTION[ +@ExtensionSectionOrganizationName='UNIFO +RM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTE +NSION_SECTION_DATA/COMPARISON_D +ETAIL/@GSEBelowGradeRecreationRoomCou +nt + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/C +OMPARISON_DETAIL_EXTENSION/COMP +ARISON_DETAIL_EXTENSION_SECTION[ +@ExtensionSectionOrganizationName='UNIFO +RM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTE +NSION_SECTION_DATA/COMPARISON_D +ETAIL/@GSEBelowGradeBedroomRoomCount + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/C +OMPARISON_DETAIL_EXTENSION/COMP +ARISON_DETAIL_EXTENSION_SECTION[ +@ExtensionSectionOrganizationName='UNIFO +RM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTE +NSION_SECTION_DATA/COMPARISON_D +ETAIL/@GSEBelowGradeBathroomRoomCoun +t + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +The appraisal report must indicate the finished square footage in whole +numbers only, no commas. If 0% finished, a value of zero (0) must be entered. + +5 + +Numeric + +PDF Display Format: +Square footage, numeric, to 5-digits: 12345 maximum. diff --git a/chunks/txt/131f6dbc1e30f35e4c3d2323914d4223cbf76b461a1221ff9eb26874e585f222.txt b/chunks/txt/131f6dbc1e30f35e4c3d2323914d4223cbf76b461a1221ff9eb26874e585f222.txt new file mode 100644 index 0000000000000000000000000000000000000000..aa1579e7c1429885aa14950606c487660954d254 --- /dev/null +++ b/chunks/txt/131f6dbc1e30f35e4c3d2323914d4223cbf76b461a1221ff9eb26874e585f222.txt @@ -0,0 +1,95 @@ +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_In +dividualIndicator + +166 + +IMPROVEMENTS + +Cooling +Other + +Cooling Other +Indicator + +Indicates that the structure or unit has a +cooling configuration other than +Centralized or Individual. The details +may be found in Cooling Unit +Description. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_Ot +herIndicator + +10 + +15 + +1 + +1 + +1 + +String + +UAD Instruction - Refer to Appendix D Improvements Section +If no heat source, the 'Other' box should be checked and 'None' should be indicated. + +String + +UAD Instruction - Refer to Appendix D Improvements Section +This field should indicate the fuel used for heating, if any. If no heating, then 'None' +should be indicated. + +Boolean + +UAD Instruction - Refer to Appendix D Improvements Section +A value of 'Y' indicates central cooling, a value of 'N' indicates the box is not +checked. + +Boolean + +UAD Instruction - Refer to Appendix D Improvements Section +A value of 'Y' indicates individual cooling units, a value of 'N' indicates the box is +not checked. + +Boolean + +UAD Instruction - Refer to Appendix D Improvements Section +A value of 'Y' indicates other cooling, a value of 'N' indicates the box is not checked. + +At least one of fields 1-158, 1-159, 1-160, 1- +161 (values of Heating Type) should be +indicated. If field 1-162 indicates 'None' then +fields 1-158, 1-159, 1-160 should not be +indicated +This field should be populated if and only if +fields 1-161 (Heating Type = 'Other') is +indicated. +This field should be populated if any of fields 1- +158, 1-159, 1-160, 1-161 (values of Heating +Type) is indicated and 'None' is not populated in +field 1-162. +At least one of fields 1-164 (Cooling +Centralized Indicator = 'Y'), 1-165 (Cooling +Individual Indicator = 'Y'), 1-166 (Cooling +Other Indicator = 'Y') should be indicated. If +field 1-167 (Cooling Unit Description) indicates +'None' then fields 1-164 and 1-165 should not +be indicated +At least one of fields 1-164 (Cooling +Centralized Indicator = 'Y'), 1-165 (Cooling +Individual Indicator = 'Y'), 1-166 (Cooling +Other Indicator = 'Y') should be indicated. If +field 1-167 (Cooling Unit Description) indicates +'None' then fields 1-164 and 1-165 should not +be indicated +At least one of fields 1-164 (Cooling +Centralized Indicator = 'Y'), 1-165 (Cooling +Individual Indicator = 'Y'), 1-166 (Cooling +Other Indicator = 'Y') should be indicated. If +field 1-167 (Cooling Unit Description) indicates +'None' then fields 1-164 and 1-165 should not +be indicated +This field should be populated if field 1-166 +(Cooling Other Indicator = 'Y') is indicated. diff --git a/chunks/txt/13318204ce1815fe1c2db836c8d49d672da5e2cbd4a6cb69752f2eac3b703284.txt b/chunks/txt/13318204ce1815fe1c2db836c8d49d672da5e2cbd4a6cb69752f2eac3b703284.txt new file mode 100644 index 0000000000000000000000000000000000000000..a1a0c134ac0ffc21002ca1a14004e38508403999 --- /dev/null +++ b/chunks/txt/13318204ce1815fe1c2db836c8d49d672da5e2cbd4a6cb69752f2eac3b703284.txt @@ -0,0 +1,46 @@ +The Final Value Condition Statement is a text field, which is created based on the valid value(s) of Market Value Condition. (Figure 02 - 1) + +• Market Value Condition - PropertyValuationConditionalConclusionType (UID: 2800.0002, FID: 02.003) + +Figure 02 - 1 + +Note: When Market Value Condition – PropertyValuationConditionalConclusionType = “AsIs”, + +the Final Value Condition Statement does not display. + +Start with the statement, “This appraisal is made” + +Page 18 + +Completion Report: Final Value Condition Statement + +If Market Value Condition is… + +Subject to Completion Per Plans + +Subject to Inspection + +Subject to Repair + +Display Text +subject to completion per plans and specifications on the basis of a hypothetical condition that the +improvements have been completed +subject to the itemized list of required inspections below based on the extraordinary assumption that the +condition or deficiency does not require alteration or repair +subject to the itemized list of repairs recommended below on the basis of a hypothetical condition that the +repairs or alterations have been completed in a professional manner + +Subject to Completion Per Plans/Inspection/Repair + +When PropertyValuationConditionalConclusionType (UID: 2800.0002, FID: 02.003) = "SubjectToCompletionPerPlans" OR "SubjectToInspection" OR +"SubjectToRepair": + +1. The statement begins with the text, “This appraisal is made” +2. Followed by “Display Text” for the corresponding market value condition. + +a. + +If there are multiple market value conditions, each “Display Text” is separated by “, and” + +3. End the sentence with a period. +4. Add a final sentence, “This might have affected the assignment results.” diff --git a/chunks/txt/1347e47ea377c78f764aed200d0fcd5e654a44cf065871e0beed37e93b6672c4.txt b/chunks/txt/1347e47ea377c78f764aed200d0fcd5e654a44cf065871e0beed37e93b6672c4.txt new file mode 100644 index 0000000000000000000000000000000000000000..77d5bace6998bb764562fb439af598deb516c6a6 --- /dev/null +++ b/chunks/txt/1347e47ea377c78f764aed200d0fcd5e654a44cf065871e0beed37e93b6672c4.txt @@ -0,0 +1,115 @@ +25 + +COST APPROACH + +Cost-New Improvements +Garage/Carport +Price/Sq.Ft. + +Price Per Square Foot +Amount + +26 + +COST APPROACH + +Cost-New Improvements +Garage/Carport +Cost + +New Improvement +Cost Amount + +27 + +COST APPROACH + +Total Estimated Cost- +New + +New Improvement +Total Cost Amount + +29 + +COST APPROACH Physical Depreciation + +31 + +COST APPROACH Functional Depreciation + +33 + +COST APPROACH External Depreciation + +34 + +COST APPROACH Total Depreciation + +35 + +COST APPROACH + +Depreciated Cost of +Improvements + +36 + +COST APPROACH + +"As-Is"` Value of Site +Improvements + +Depreciation Physical +Amount + +Depreciation +Functional Amount + +Depreciation Exterior +Amount + +Depreciation Total +Amount + +New Improvement +Depreciated Cost +Amount +Site Other +Improvements As Is +Amount + +The price in terms of dollars per +square foot. This is a ratio between a +price and an area, but it is a monetary +value rather than a factor or rate. (i.e. +sales price per gross living area of a +property) +The dollar value of total estimated +costs to reproduce new the property +improvement. (CALCULATED +RESULTS FIELD) +The dollar value of the total costs to +reproduce new the improvements on +the subject property. +This element specifies the Physical +depreciation amount of the subject +property. +This element specifies the Functional +depreciation amount of the subject +property. +This element specifies the Exterior +depreciation amount of the subject +property. +Specifies the total amount of +depreciation for the property +improvements. This amount includes +physical, functional and external +depreciation. (CALCULATED +RESULTS FIELD) +Specifies the reproduction costs of the +improvements after depreciation has +been taken into account. +The dollar value contributed by other +"as is" improvements located on the +subject property site. diff --git a/chunks/txt/134891aada5dc3f943c0cd720611345217c8ba24665a56e7c69a6e9e82a23291.txt b/chunks/txt/134891aada5dc3f943c0cd720611345217c8ba24665a56e7c69a6e9e82a23291.txt new file mode 100644 index 0000000000000000000000000000000000000000..0bea4af94077ac1f5b9e2925889efc47bb91b251 --- /dev/null +++ b/chunks/txt/134891aada5dc3f943c0cd720611345217c8ba24665a56e7c69a6e9e82a23291.txt @@ -0,0 +1,96 @@ +Uniform Residential Appraisal Report + +Page 17 of 22 + +Sales Comparison Approach (continued) + +PG BRK + +Sales Comparison Map + +This is where the Comparable Sales Map image would display. + +Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2) + +Uniform Residential Appraisal Report + +Page 18 of 22 + +Sales Comparison Approach (continued) + +PG BRK + +Sales Comparison Approach Exhibits + +Comparable #1 + +Comparable #2 + +This is where the Comparable 1 photo would display. + +This is where the Comparable 2 photo would display. + +Comparable #3 + +Comparable #4 + +This is where the Comparable 3 photo would display. + +This is where the Comparable 4 photo would display. + +Comparable #5 + +This is where the Comparable 5 photo would display. + +Reconciliation + +Approaches to Value + +Indicated Value + +Reason for Exclusion + +Sales Comparison Approach +$880,000 + +Income Approach + +Cost Approach + +Insufficient Data + +Not applicable for attached +properties as prospective purchasers +do not consider individual +construction as a method when +purchasing this type of property. + +Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2) + +Uniform Residential Appraisal Report + +Page 19 of 22 + +Reconciliation (continued) + +Appraisal Summary + +Contract Price +Opinion of Market Value +Market Value Condition + +$866,000 +$880,000 +Subject to Inspection + Subject to Repair + +Reasonable Exposure Time +Effective Date of Appraisal + +30-90 days +08/07/2019 + +Final Value Condition Statement This appraisal is made subject to the itemized list of required inspections below based on the +extraordinary assumption that the condition or deficiency does not require alteration or repair, and subject to the itemized list of repairs +recommended below on the basis of a hypothetical condition that the repairs or alterations have been completed in a professional manner. +This might have affected the assignment results. diff --git a/chunks/txt/135013f3d832a2d1810620fd870cdbdf9f7717de34084a5b2dd9a4f51064c138.txt b/chunks/txt/135013f3d832a2d1810620fd870cdbdf9f7717de34084a5b2dd9a4f51064c138.txt new file mode 100644 index 0000000000000000000000000000000000000000..4f724610b668d3664820ec928c72e71f72097940 --- /dev/null +++ b/chunks/txt/135013f3d832a2d1810620fd870cdbdf9f7717de34084a5b2dd9a4f51064c138.txt @@ -0,0 +1,126 @@ +Page 4 of 22 +Page 4 of 22 + +Site (continued) + +Site Exhibits + +Property Boundaries + +Property Access (Street Scene) + +This is where the Property Access photo would display. + +Appraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1) + +Uniform Residential Appraisal Report + +Page 5 of 22 +Page 5 of 22 + +Sketch + +Measurement Standard + +Floor Plan + +Not Applicable due to +property type + +14' + +14' + +Cvd Balcony + +4 + +' + +Bedroom + +Bath + +Bath + +' + +1 +4 + +Living Room + +First Floor +[1,092 Sq. Ft.] + +Dining Room + +3 +7 + +' + +Bedroom + +Kitchen + +28' + +Area Calculations Summary + +Sketch Commentary + +The subject’s condominium unit is part of an apartment/multifamily building. The ANSI measurement standard does not apply to apartment/ +multifamily buildings. Dimensions provided in the floor plan are interior perimeter unit measurements. + +Appraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1) + +Uniform Residential Appraisal Report + +Page 6 of 22 +Page 6 of 22 + +Dwelling Exterior + +Subject Property Units in +Structure +Structure Design +Floors in Building +Front Door Elevation +Year Built +Converted Area + +1 +Mid-rise +8 +8-9 Ft. +~1973 +None + +Mechanical System Details + +Heating + +Cooling + +System +Forced Warm Air + +Centralized + +Detail +Natural Gas + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior) + +None + +Dwelling Exterior Commentary + +Core Heating System Below Grade + +Yes No +  + +The structure’s overall condition is adequately maintained, with several areas that have been updated. There were no noticeable areas of +defects within the structure that required repairs at the time of inspection. diff --git a/chunks/txt/1355d79f63dc1245e1fee836369c1e03a9aa585c5de85291c1cccb882614be3e.txt b/chunks/txt/1355d79f63dc1245e1fee836369c1e03a9aa585c5de85291c1cccb882614be3e.txt new file mode 100644 index 0000000000000000000000000000000000000000..c591a7ba85c3562dcafa697690a309c66d349dbc --- /dev/null +++ b/chunks/txt/1355d79f63dc1245e1fee836369c1e03a9aa585c5de85291c1cccb882614be3e.txt @@ -0,0 +1,136 @@ +Currently, edit D29 validates the delivery of value +acceptance SFCs on a loan. Effective August 26, we have +created two new edits to provide more granularity in the +edit process and direct lenders to the specific SFC that is +not valid. + +• + +• + +Edit D324 will validate if SFC 801 is permitted on +the loan +Edit D325 will validate if SFC 807 is permitted on +the loan + +Aug 26 + +Green Building +Certification + +7.6.17 + +Aug 26 + +Value +Acceptance + +7.6.17 + +© 2025 Fannie Mae + +Effective +Date + +Impacted +Area + +Version + +Description + +• + +Edit D29 will remain active. + +File +Type + +Impact + +Aug 26 + +Edit Updates + +7.6.17 + +1 new warning edit for loan limits +1 edit moving from warning to fatal for lien type + +ULAD- +MISMO 3.4 + +• 1 new warning edit +• 1 edit with severity change + +1 new warning edit for loan limits +2 edits moving from warning to fatal for lien type and +Homestyle Renovation + +ULDD- +MISMO 3.0 + +• 1 new warning edit +• 2 edits with severity change + +Aug 26 + +Edit Updates + +7.6.17 + +2 new warning edits for buydown + +ULDD- +MISMO 3.0 + +• 2 new warning edits + +Sep 23 + +Edit Updates + +7.6.18 + +1 edit moving from ‘warning to fatal’ to ‘fatal’ for loan +program + +ULDD – +MISMO 3.0 + +• 1 edit with severity change + +Sep 23 + +Edit Updates + +7.6.18 + +1 new warning edit for appraisal + +1 new warning edit for appraisal + +• 1 new warning edit + +ULAD- +MISMO 3.4 + +• 1 new warning edit + +Oct 21 + +ULDD Phase 5 + +7.6.19 + +To support the third implementation of ULDD phase 5, +EarlyCheck will: + +ULDD – +MISMO 3.0 + +Move all existing ULDD phase 5 edits from Informational +to Warning +New informational edits around Address, Borrower, Early +Funding, HMDA, Loan Program, MI +Message update for 5 edits diff --git a/chunks/txt/1362abcf716a46fba7b46ea1156990ee4247990b01ef5e1cd63637a3ae9d9ae5.txt b/chunks/txt/1362abcf716a46fba7b46ea1156990ee4247990b01ef5e1cd63637a3ae9d9ae5.txt new file mode 100644 index 0000000000000000000000000000000000000000..9d5ca8400c5ec4f5b29ee9ac1a1512ae94b29bd4 --- /dev/null +++ b/chunks/txt/1362abcf716a46fba7b46ea1156990ee4247990b01ef5e1cd63637a3ae9d9ae5.txt @@ -0,0 +1,23 @@ +6. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal +report. + +7. I meet the credential requirements for this assignment as of the date of this appraisal report and have knowledge and experience in +appraising this type of property in this market area. + +8. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax +assessment records, public land records, and other such data sources for the area in which the property is located. + +9. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources +that I believe to be true and correct. + +10. I personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily observable +condition of the improvements in factual, specific terms. I identified and reported any known physical deficiencies that could affect the +soundness or structural integrity of the property. + +11. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were +adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal +report was transmitted. + +12. Using information available in the normal course of business, I researched, verified, analyzed, and reported on any current agreement for +sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and +the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal. diff --git a/chunks/txt/1369509b3f11b4556180737bdfefa9bf7fbcb6c2a8bae38ba0eb3007ab144a60.txt b/chunks/txt/1369509b3f11b4556180737bdfefa9bf7fbcb6c2a8bae38ba0eb3007ab144a60.txt new file mode 100644 index 0000000000000000000000000000000000000000..3626b2f6cdca0231774914088c3df25ff0db7d21 --- /dev/null +++ b/chunks/txt/1369509b3f11b4556180737bdfefa9bf7fbcb6c2a8bae38ba0eb3007ab144a60.txt @@ -0,0 +1,175 @@ +This field should be populated if field 1-94 (Site +Zoning Compliance Type = 'Illegal') is +indicated. + +One and only one of fields 1-96, 1-97 (values of +Highest and Best Use Indicator) should be +indicated. + +One and only one of fields 1-96, 1-97 (values of +Highest and Best Use Indicator) should be +indicated. + +If utilities are present, at least one of fields 1- +99, 1-100 (Site Utility Public Indicator = 'Y' or +Site Utility Non Public Indicator = 'Y') must be +indicated. If no utilities are present 'None' must +be populated in field 1-101 (Site Utility Non +Public Description). +If utilities are present, at least one of fields 1- +99, 1-100 (Site Utility Public Indicator = 'Y' or +Site Utility Non Public Indicator = 'Y') must be +indicated. If no utilities are present 'None' must +be populated in field 1-101 (Site Utility Non +Public Description). +If field 1-100 (Site Utility Non Public Indicator) +is indicated, this field is required. If no utilities +are present 'None' must be populated. + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +CR + +95 + +96 + +97 + +98 + +99 + +100 + +101 + +102 + +103 + +104 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +89 + +90 + +91 + +92 + +93 + +94 + +95 + +96 + +97 + +98 + +SITE + +SITE + +SITE + +SITE + +SITE + +SITE + +SITE + +SITE + +105 + +1 + +99 + +SITE + +100 + +SITE + +106 + +107 + +1 + +1 + +101 + +SITE + +Utilities +Electricity +Other (describe) + +Site Utility Non +Public Description + +A free-form text field used to describe the +ownership of the utility specified by Site +Utility Type if it is a non-public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type=' +Electricity']/@_NonPublicDescription + +25 + +String + +UAD Requirement - Refer to Appendix D Site Section +This field must indicate the source of electric service if present and not public. If no +electric service is present, enter 'None ' in the description field. diff --git a/chunks/txt/137b62b0da1791f559cff4e2dfb1c0875fa8198fe0ade36ca3de23d8bea53538.txt b/chunks/txt/137b62b0da1791f559cff4e2dfb1c0875fa8198fe0ade36ca3de23d8bea53538.txt new file mode 100644 index 0000000000000000000000000000000000000000..15dd43679bdf459a2814aabb9bb07d8f415a2dd8 --- /dev/null +++ b/chunks/txt/137b62b0da1791f559cff4e2dfb1c0875fa8198fe0ade36ca3de23d8bea53538.txt @@ -0,0 +1,41 @@ +Postponed Improvements + +Fannie Mae allows the sale of a loan before construction or improvements are complete if certain requirements are met. + +The table below describes requirements related to properties that are new or proposed construction that are not complete when +the loan is sold to Fannie Mae. + +✓ + +Requirements for New or Proposed Construction + +Loans may be sold before postponed items are complete; however, the postponed improvements must be +completed within 180 days of the note date. Acceptable postponed items include items that: + +are part of the sales contract (third-party contracts are not permissible); +are postponed for a valid reason, such as inclement weather or a shortage of building materials; and + +• +• +• do not affect the ability to obtain an occupancy permit. + +Completion must be confirmed using a Completion Report or an acceptable completion alternative as described +above. All documentation must be retained in the loan file. + +The cost of completing improvements must not represent more than 10% of the “as completed” appraised value +of the property. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 69 of 166 + +UAD 3.6 Policy + +✓ + +Requirements for New or Proposed Construction + +Lenders must establish a completion escrow for the postponed improvements by withholding from the +purchase proceeds funds equal to 120% of the estimated cost for completing the improvements. However, if the +contractor or builder offers a guaranteed fixed-price contract for completion of the improvements, the funds in +the completion escrow only need to equal the full amount of the contract price. diff --git a/chunks/txt/137c988d930521c27eb4646e5477bacabe186c2cf137f023b906bfc479999b76.txt b/chunks/txt/137c988d930521c27eb4646e5477bacabe186c2cf137f023b906bfc479999b76.txt new file mode 100644 index 0000000000000000000000000000000000000000..4d4c09772e7ce3dd1ed69180c309ef0394aeca5b --- /dev/null +++ b/chunks/txt/137c988d930521c27eb4646e5477bacabe186c2cf137f023b906bfc479999b76.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/761","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); })(); diff --git a/chunks/txt/138ddaa9811dc36b309a86a09348315f4047911ce3c8e30c6b6c34892e84d2af.txt b/chunks/txt/138ddaa9811dc36b309a86a09348315f4047911ce3c8e30c6b6c34892e84d2af.txt new file mode 100644 index 0000000000000000000000000000000000000000..776627db3b1edc98e987253c8d47d8af8789a288 --- /dev/null +++ b/chunks/txt/138ddaa9811dc36b309a86a09348315f4047911ce3c8e30c6b6c34892e84d2af.txt @@ -0,0 +1,69 @@ +UCD Feedback Messages have been updated to reflect a total of 26 edits that will transition to fatal on March 31, 2022. + +Additional Resources: + +Uniform Closing Dataset Critical Edits Implementation Timeline + +© 2022 Fannie Mae + +December 2022 + +Effective +Date + +Impacted Area + +UCD Critical Edits Matrix + +Description + +March 17 + +UCD Critical Edits - + +Phase 2 + +To further refine UCD Phase 2 data quality, the following edit will revert to only check for null, effective March 17, 2022. The +edit feedback message is as follows: + +Implementation + +Warning to Fatal edit 3411: A Cash to Close Total Final Amount is required. + +March 9 + +UCD Critical Edits - + +Phase 2 + +Implementation + +February 17 + +UCD Critical Edits - + +Phase 1 + +Implementation + +Warning to Fatal edits 3404, 3405, 3406, 3407, 3408, and 3409 will not transition to fatal on March 31, 2022, as originally +announced as part of UCD Phase 2. + +To further refine UCD Phase 1 data quality, the following edits will be updated, effective Feb. 17, 2022. The edit feedback +messages will be updated to the following: + +Fatal edit 3015: Annual Percentage Rate is required and must be greater than 0.0%. Data must be numeric up to 3 digits, +with up to 4 decimal places. + +Fatal edit 3311: Regulation Z Total Affiliate Fees Amount is required and must be greater than or equal to 0. Data must +be numeric up to 9 digits, with up to 2 decimal places. + +February 17 + +Mortgage Insurer +Name Change + +As announced in the Selling Guide announcement (SEL-2021-11), Genworth Mortgage Insurance Corporation is formally +changing its name to Enact Mortgage Insurance Corporation, effective Feb. 7, 2022. To support deliveries of Enact-insured +loans, a new UCD enumerated value, “Enact,” is being is being added to the MICompanyNameTypeOtherDescription field +(sort ID 894). Beginning Feb. 17, 2022, lenders can submit files with Enact as the Mortgage Insurer name. diff --git a/chunks/txt/13a05d1ce46a2908507c9d733d6470de1dafab81680a10423a84fd77590a2c91.txt b/chunks/txt/13a05d1ce46a2908507c9d733d6470de1dafab81680a10423a84fd77590a2c91.txt new file mode 100644 index 0000000000000000000000000000000000000000..1801dcfff4975c6c147517e5fafeba9c581ba953 --- /dev/null +++ b/chunks/txt/13a05d1ce46a2908507c9d733d6470de1dafab81680a10423a84fd77590a2c91.txt @@ -0,0 +1,77 @@ +23.3 NMLS ID + +23.4 ST License ID + +23.5 Contact + +23.6 Contact NMLS ID + +23.7 Contact __ License ID + +23.8 Email + +23.9 Phone + +23.0.1 Lender +23.1.1 + +23.0.2 Mortgage Broker +23.1.2 + +23.0.5 Settlement Agent +23.1.5 + +23.2.1 + +23.3.1 + +23.5.1 + +23.6.1 + +23.8.1 + +23.9.1 + +23.2.2 + +23.3.2 + +23.5.2 + +23.6.2 + +23.8.2 + +23.9.2 + +23.2.5 + +23.4.5 + +23.5.5 + +23.7.5 + +23.8.5 + +23.9.5 + +Confirm Receipt + +24.0 + +By signing, you are only confirming that you have received this form. You do not have to accept this loan because you have signed or received +this form. + +Applicant Signature + +Date + +Co-Applicant Signature + +Date + +CLOSING DISCLOSURE + +PAGE 4 OF 5 ▪ LOAN ID # diff --git a/chunks/txt/13a50cedee99b798b9042d76f2c37e53f4b2f701119edf1558716356a9338f2e.txt b/chunks/txt/13a50cedee99b798b9042d76f2c37e53f4b2f701119edf1558716356a9338f2e.txt new file mode 100644 index 0000000000000000000000000000000000000000..9e76512c79623be7d894610a5b5af372ba77b69b --- /dev/null +++ b/chunks/txt/13a50cedee99b798b9042d76f2c37e53f4b2f701119edf1558716356a9338f2e.txt @@ -0,0 +1,51 @@ +• + +• + +• + +Loan Information + +Loan Disclosures + +Escrow Account Loan Calculations + +• GSE Specific + +• GSE Regulation Z + +• Payoffs and Payment + +June 28, 2021 + +UCD Critical Edits - +Phase 1 +Implementation + +As announced on August 11, 2020, Fannie Mae will be transitioning UCD edits from “warning” to a “fatal” severity over the +next two years. In preparation for the transition to fatal edits, lenders should review all feedback messages returned by the +UCD Collection Solution and resolve any issues, particularly those relating to future fatal edits. + +The UCD Test Environment has been updated for Phase 2 edits. Review the UCD Edit Feedback Messages – Phase 2 Edits +Tab for a listing of the Phase 2 edit updates (total of 35 edits) including: + +• +• + +11 existing edits transition from warning to warning-to-fatal +24 new warning-to-fatal edits + +June 7, 2021 + +UCD Critical Edits - +Phase 1 +Implementation + +Fannie Mae will include additional message text for the existing Phase 1 edits that will transition from “warning” to “fatal” +in the UCD Collection Solution. The additional text will highlight the official transition date that the edit will go “fatal” +in UCD Production. Phase 1 of the transition will begin on July 31, 2021 and is designed to enhance data quality and +consistency for single-family loans the GSEs purchase. Refer to the UCD Critical Edits Implementation Timeline. In +preparation for the transition to fatal edits, lenders should review all feedback messages returned by the UCD +Collection Solution and resolve any issues, particularly those relating to future fatal edits. + +© 2021 Fannie Mae diff --git a/chunks/txt/13b1eacb4255f21cdb8be4ec1339d367504796c6a7da87363c6d45b973a85d92.txt b/chunks/txt/13b1eacb4255f21cdb8be4ec1339d367504796c6a7da87363c6d45b973a85d92.txt new file mode 100644 index 0000000000000000000000000000000000000000..33dc2e2bcfdf99259a94ab69ce4912bab982635e --- /dev/null +++ b/chunks/txt/13b1eacb4255f21cdb8be4ec1339d367504796c6a7da87363c6d45b973a85d92.txt @@ -0,0 +1,114 @@ +Page 17 of 20 + +Cost Approach (continued) + +Site Value + +Primary Site Valuation Method Sales Comparison Opinion of Site Value + +$38,500 + +Land Comparables + +# +1 + +2 + +3 + +4 + +Address +234183 Starmind Dr +Somecity, TN 12345 + +County +Alpine + +Data Source +MLS W12348 + +Assessor Parcel +Number (APN) +ERW 10149852 - 12 + +Site Size +12,632 Sq. Ft. + +Sale Date +04/15/2021 + +Price +$32,000 + +105853 Gao St +Somecity, TN 12345 + +124383 Whitecrest +Rd +Somecity, TN 12345 + +235813 Anywhere +St +Somecity, TN 12345 + +Alpine + +Alpine + +MLS W19434 + +ERW 13249582 - 12 + +17,424 Sq. Ft. + +11/12/2021 + +$49,900 + +MLS W58278 + +ERW 12354823 - 13 + +12,462 Sq. Ft. + +07/15/2021 + +$25,500 + +Alpine + +Subject Sale + +ERW 14885329 - 23 + +14,000 Sq. Ft. + +06/16/2019 + +$38,500 + +Reconciliation of Site Value The land sale comparables were selected from sales of unimproved sites suitable for manufactured homes +located within the subject’s market area. Comparables #1 ($2.53 per square foot) and #2 ($2.86 per square foot) received most weight +due to comparability in size and location within a mile of recreational areas that are similar to the park that is a half mile from the subject. +Comparable #3 ($2.00 per square foot) received least weight as it does not have access to public utilities and is located within a half of mile of +a landfill facility. The subject’s land sale in 2019 (comparable #4) was also taken into consideration. The subject’s site was valued at $2.70 per +square foot. + +General Description + +Cost Type +Cost Data Source +Quality Rating +Effective Date + +Replacement +Marshall & Swift +Good +06/01/2021 + +Cost Approach Commentary + +Cost Method +Depreciation Method diff --git a/chunks/txt/13b940f64dfab1c962724d62c41026784b74520812234945c2412c61d4110c2e.txt b/chunks/txt/13b940f64dfab1c962724d62c41026784b74520812234945c2412c61d4110c2e.txt new file mode 100644 index 0000000000000000000000000000000000000000..a7c022328484fcfacb9f0a5f68e8ad472d76fe41 --- /dev/null +++ b/chunks/txt/13b940f64dfab1c962724d62c41026784b74520812234945c2412c61d4110c2e.txt @@ -0,0 +1,144 @@ +Water Frontage with Private Access + +Total Linear Measurement + +40 Ft. + +Permanent Waterfront Feature + +Dock +Pier + +Frontage +Lake + +Name +Lake Virginia + +Waterfront Access Rights +By Permit + +Access Depth +Shallow Water + +View and Impact to Value/Marketability + +View +Lake (Primary) + +High Voltage Power Lines + +Woods + +Range of View +Full + +Seasonal + +Partial + +Impact +Beneficial + +Adverse + +Neutral + +View Commentary Wooded views are typical in the market. High voltage power lines easement at edge of property can be viewed during +winter months. + +Site Features and Impact to Value/Marketability + +Feature +Non-Residential Property Use + +Detail +Agricultural + +Hazard Zone + +No Hazard Zone Noted + +Property Restriction + +Land Use + +Site Characteristic + +Topography | Flat + +Utilities and Impact to Value/Marketability + +Broadband Internet Available + +Yes + +Electricity + +Gas + +Sanitary Sewer + +Water + +Public + + +Private + +Detail + + + + + +Septic + +Well + +Impact +Neutral + +Neutral + +Neutral + +Comment +Board fencing around entire property to the barn. + +Quarter acre lot cannot be built on nor can it be separated +and sold. + +Private Utility +Impact + +Comment + +Neutral + +Neutral + +Adverse + +Propane is typical to the market. + +Septic is typical to the market. + +Public water is available at the street. Local water +company charges $2,500 to install the meter. Public +water is typical to market. + +Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1) + +Uniform Residential Appraisal Report + +Page 4 of 30 +Page 4 of 30 + +If more + +than 1 + +Unit-- + +different diff --git a/chunks/txt/13c502055e4591966c88c361ee2846c06f53039da0133d083d057f639b5b6ce2.txt b/chunks/txt/13c502055e4591966c88c361ee2846c06f53039da0133d083d057f639b5b6ce2.txt new file mode 100644 index 0000000000000000000000000000000000000000..c60a1f82ad9ff2c52dd10530a8578f448d2214e0 --- /dev/null +++ b/chunks/txt/13c502055e4591966c88c361ee2846c06f53039da0133d083d057f639b5b6ce2.txt @@ -0,0 +1,78 @@ +40 + +Indicated Value by Income Approach + +INCOME APPROACH TO VALUE (not required by Fannie Mae) + +PROJECT INFORMATION FOR PUDs (if applicable) + +42 + +Is the developer/builder in control of the Homeowners’ Association (HOA)? Yes No Unit type(s) Detached +Provide the following information for PUDs ONLY if the developer/builder is in control of the HOA and the subject property is an attached dwelling unit. +Legal name of project 46 +Total number of phases 47 +Total number of units rented 50 +Was the project created by the conversion of an existing building(s) into a PUD? Yes +Does the project contain any multi-dwelling units? Yes No Data source(s) 58 +Are the units, common elements, and recreation facilities complete? Yes No If No, describe the status of completion. 61 + +Total number of units sold +Data source(s) +53 + +48 +Total number of units +Total number of units for sale + +No If Yes, date of conversion 55 +54 + +Attached +45 + +52 + +49 + +51 + +44 + +43 + +60 + +57 + +56 + +59 + +Are the common elements leased to or by the Homeowners’ Association? Yes No If Yes, describe the rental terms and options. 64 + +63 + +62 + +Describe common elements and recreational facilities 65 + +Freddie Mac Form 70H July 2020 + +226 + +Page 3 of 6 + +Fannie Mae Form 1004 Hybrid July 2020 + +2 + +Uniform Residential Appraisal Report (Hybrid) + +File # 3 + +4 4a + +This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a +unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit +in a condominium or cooperative project. diff --git a/chunks/txt/13c8fb143b0892757731c7cc1b9630c44dcfa5880776129c28cbdc49df5c7e32.txt b/chunks/txt/13c8fb143b0892757731c7cc1b9630c44dcfa5880776129c28cbdc49df5c7e32.txt new file mode 100644 index 0000000000000000000000000000000000000000..1cdcc511b82632bdb150dbc3d986c7fe32cdc94e --- /dev/null +++ b/chunks/txt/13c8fb143b0892757731c7cc1b9630c44dcfa5880776129c28cbdc49df5c7e32.txt @@ -0,0 +1,223 @@ +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 93 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +174 + +1 + +167 + +PROJECT +INFORMATION + +If Project Incomplete +# of Units Sold + +Units Sold Count Total number of living units sold. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE +[@_Type='Incomplete']/@UnitsSoldCount + +175 + +1 + +168 + +PROJECT +INFORMATION + +If Project Incomplete +# of Units Rented + +Units Rented +Count + +Total number of living units rented. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE +[@_Type='Incomplete']/@UnitsRentedCount + +176 + +1 + +169 + +PROJECT +INFORMATION + +If Project Incomplete +# of Owner Occupied Units + +Owner Occupied +Unit Count + +The number of units occupied by their +owners. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE +[@_Type='Incomplete']/@OwnerOccupiedUnitCount + +177 + +178 + +179 + +180 + +181 + +182 + +183 + +184 + +185 + +186 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +170 + +171 + +172 + +173 + +174 + +175 + +176 + +177 + +PROJECT +INFORMATION + +Project Primary Occupancy +Principle Residence + +Project Primary +Occupancy Type + +Specifies the primary type of occupancy of +the Project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_PrimaryOccupancyType +='PrincipleResidence'] + +PROJECT +INFORMATION + +Project Primary Occupancy +Second Home or Recreational diff --git a/chunks/txt/13d393a69a1c3efc6223ccb2571804823c18c587d1e81c3b2f9b2700dca721da.txt b/chunks/txt/13d393a69a1c3efc6223ccb2571804823c18c587d1e81c3b2f9b2700dca721da.txt new file mode 100644 index 0000000000000000000000000000000000000000..1c74bf0afd11b85e11bac79305f34dd1225eef10 --- /dev/null +++ b/chunks/txt/13d393a69a1c3efc6223ccb2571804823c18c587d1e81c3b2f9b2700dca721da.txt @@ -0,0 +1,112 @@ +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Dollar amount + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +The reason the Income Approach was not developed for this appraisal. +• +• +• + +Insufficient Data +Not Necessary for Credible Results +Other (Describe) + +Note: For further commentary, use Reconciliation of Market Value (26.019). + +If applicable, Indicated Value by Cost Approach (25.000) populates from the +Cost Approach section. + +The reason the Cost Approach was not developed for this appraisal. +• +• +• +• + +Difficulty Estimating Depreciation +Lack of Land Sales +Not Necessary for Credible Results +Other (Describe) + +Note: For further commentary, use Reconciliation of Market Value (26.019). + +Appendix F-1: URAR Reference Guide + +Page 323 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +26 Reconciliation + +Appraisal Summary + +Contract Price and Opinion of Market Value + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Reconciliation: Appraisal Summary – Contract Price and Opinion of Market Value + +26.006 Contract Price + +Displays when Sales +Contract Information +Analyzed is Yes + +Dollar amount + +If applicable, Contract Price (20.005) redisplays from the Sales Contract section. + +26.007 Opinion of + +Always required + +Dollar amount + +Market value as defined in the report. + +Market Value + +Cooperatives + +Reconciliation: Appraisal Summary - Cooperatives + +Report Label + +When to Include + +Report +Field ID + +26.074 + +(Cooperative +Interest) + +Displays next to +Opinion of Market +Value when the +property is in a +cooperative or condop diff --git a/chunks/txt/13eec9787a73db8d0640bea311681f0cbaa08b9d01f782678f9464940a0bc8a9.txt b/chunks/txt/13eec9787a73db8d0640bea311681f0cbaa08b9d01f782678f9464940a0bc8a9.txt new file mode 100644 index 0000000000000000000000000000000000000000..7d12f5d6a2381d5fdacf5d9b6c454323f11bc337 --- /dev/null +++ b/chunks/txt/13eec9787a73db8d0640bea311681f0cbaa08b9d01f782678f9464940a0bc8a9.txt @@ -0,0 +1,110 @@ +Kitchen and Bathroom Details + +Room +Kitchen +Level 1 + +Bath - Full +Level 1 + +Bath - Full +Level 1 + +Update Status +Not Updated + +Not Updated + +Not Updated + +Time Frame + +Quality Comment + +Condition Comment + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Overall Update Status for +Bathrooms + +Not Updated + +Interior Features + +Feature +Flooring + +Walls and Ceiling + +Overall Update Status for +Flooring + +Detail +Carpet + +Ceramic Tile + +8 Ft. | Flat + +Not Updated + +Quality Comment + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Condition Comment + +Apparent Defects, Damages, Deficiencies (Unit Interior - Building 1 - Unit C) + +None + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2 + +Uniform Residential Appraisal Report + +Page 10 of 26 + +Unit Interior - Building 1 - Unit C (continued) + +Unit Interior Exhibits + +Level 1 - Bath - Full - Bath 1 + +Level 1 - Bath - Full - Bath 2 + +This is where the Unit C Bath 1 photo would display. + +This is where the Unit C Bath 2 photo would display. + +Level 1 - Bedroom - Bedroom 1 + +Level 1 - Bedroom - Bedroom 2 + +This is where the Unit C Bedroom 1 photo would display. + +This is where the Unit C Bedroom 2 photo would display. + +Level 1 - Dining Room + +Level 1 - Kitchen + +This is where the Unit C Dining Room photo would display. + +This is where the Unit C Kitchen photo would display. + +Level 1 - Living Room + +This is where the Unit C Living Room photo would display. + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2 diff --git a/chunks/txt/13f66fb0e70ed57af7142399a1d0091e1764765edb6ce3c56b5574e765d202b8.txt b/chunks/txt/13f66fb0e70ed57af7142399a1d0091e1764765edb6ce3c56b5574e765d202b8.txt new file mode 100644 index 0000000000000000000000000000000000000000..06c2db1338e129fa8bcbf819275c171a3c483d26 --- /dev/null +++ b/chunks/txt/13f66fb0e70ed57af7142399a1d0091e1764765edb6ce3c56b5574e765d202b8.txt @@ -0,0 +1,12 @@ +--- +source_url: "https://www.x.com/FHFA" +date_accessed: "2026-01-27T17:54:20.794Z" +--- + +body { -ms-overflow-style: scrollbar; overflow-y: scroll; overscroll-behavior-y: none; } .errorContainer { background-color: #FFF; color: #0F1419; max-width: 600px; margin: 0 auto; padding: 10%; font-family: Helvetica, sans-serif; font-size: 16px; } .errorButton { margin: 3em 0; } .errorButton a { background: #1DA1F2; border-radius: 2.5em; color: white; padding: 1em 2em; text-decoration: none; } .errorButton a:hover, .errorButton a:focus { background: rgb(26, 145, 218); } .errorFooter { color: #657786; font-size: 80%; line-height: 1.5; padding: 1em 0; } .errorFooter a, .errorFooter a:visited { color: #657786; text-decoration: none; padding-right: 1em; } .errorFooter a:hover, .errorFooter a:active { text-decoration: underline; } #placeholder, #react-root { display: none !important; } body { background-color: #FFF !important; } # JavaScript is not available. + +We’ve detected that JavaScript is disabled in this browser. Please enable JavaScript or switch to a supported browser to continue using x.com. You can see a list of supported browsers in our Help Center. + +[Help Center](https://help.x.com/using-x/x-supported-browsers) + +[Terms of Service](https://x.com/tos) [Privacy Policy](https://x.com/privacy) [Cookie Policy](https://support.x.com/articles/20170514) [Imprint](https://legal.twitter.com/imprint.html) [Ads info](https://business.twitter.com/en/help/troubleshooting/how-twitter-ads-work.html?ref=web-twc-ao-gbl-adsinfo&utm_source=twc&utm_medium=web&utm_campaign=ao&utm_content=adsinfo) © 2026 X Corp. Something went wrong, but don’t fret — let’s give it another shot. diff --git a/chunks/txt/140667b5ea37bef20f872af9b8f7587f5dafadfa5e90a2faecef583a71d52394.txt b/chunks/txt/140667b5ea37bef20f872af9b8f7587f5dafadfa5e90a2faecef583a71d52394.txt new file mode 100644 index 0000000000000000000000000000000000000000..ba7e8872a1b886c072cf06ea1c1f7219271cb603 --- /dev/null +++ b/chunks/txt/140667b5ea37bef20f872af9b8f7587f5dafadfa5e90a2faecef583a71d52394.txt @@ -0,0 +1,31 @@ +*Last updated: January 6, 2025​* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) diff --git a/chunks/txt/140759d02f2dae4e859f2b029708feea7073511d50e71384efd60046f97db881.txt b/chunks/txt/140759d02f2dae4e859f2b029708feea7073511d50e71384efd60046f97db881.txt new file mode 100644 index 0000000000000000000000000000000000000000..26137a13652787991da89a1b23326b1da81540fa --- /dev/null +++ b/chunks/txt/140759d02f2dae4e859f2b029708feea7073511d50e71384efd60046f97db881.txt @@ -0,0 +1,21 @@ +Signature + +Appraiser +Amy Appraiser +Amy Appraiser + +08/21/2009 + +Date of Signature and Report + +Level +ID +State +Expires + +Licensed Residential +3333333333 +MD +10/21/2010 + +Appraiser Reference ID LN32942301 Client Reference ID 456-8124 Completion Version #1Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/1417fd8cc75c89eb1f4c4971abcf313378e20f74dd5837f538f8ade25d5ac95f.txt b/chunks/txt/1417fd8cc75c89eb1f4c4971abcf313378e20f74dd5837f538f8ade25d5ac95f.txt new file mode 100644 index 0000000000000000000000000000000000000000..16eee0961639b6bcfd470143953fb6e4914c5be1 --- /dev/null +++ b/chunks/txt/1417fd8cc75c89eb1f4c4971abcf313378e20f74dd5837f538f8ade25d5ac95f.txt @@ -0,0 +1,69 @@ +C +O +M +M +E +N +T +S + +C +O +S +T + +A +P +P +R +O +A +C +H + +Provide adequate information for the lender/client to replicate the below cost figures and calculations. +Support for the opinion of site value (summary of comparable land sales or other methods for estimating site value) 6 + +COST APPROACH TO VALUE (not required by Fannie Mae) + +7 + +8 + +ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW +Source of cost data 9 +Quality rating from cost service 10 +Comments on Cost Approach (gross living area calculations, depreciation, etc.) +12 + +Effective date of cost data 11 + +OPINION OF SITE VALUE........................................................= $ 14 +............=$ 17 +Dwelling 15 +Sq. Ft. @ $ 16 +Sq. Ft. @ $ 20 +18 19 +............=$ 21 + 23 +22 +............=$ 26 +Garage/Carport 24 +Sq. Ft. @ $ 25 +...........= $ 27 +Total Estimate of Cost-New +Less +Depreciation +Depreciated Cost of Improvements ............................................=$ 35 +“As-is” Value of Site Improvements. ...........................................=$ 36 + +Functional +31 + +Physical + 29 + +External + 33 =$( 34 ) + +Estimated Remaining Economic Life (HUD and VA only) 13 diff --git a/chunks/txt/14187005b8838f816345fcd52f29bc4d8e950acc843b9950b910555d6ff7e9d4.txt b/chunks/txt/14187005b8838f816345fcd52f29bc4d8e950acc843b9950b910555d6ff7e9d4.txt new file mode 100644 index 0000000000000000000000000000000000000000..7217b4949275b75f3226268fbe00dc19080ac5d2 --- /dev/null +++ b/chunks/txt/14187005b8838f816345fcd52f29bc4d8e950acc843b9950b910555d6ff7e9d4.txt @@ -0,0 +1,11 @@ +Fannie Mae Connect Help Center + +Lender Letter LL-2020-07 COVID-19 Payment Deferral + +Lender Letter LL-2020-05 Payment Deferral + +Payment Deferral Matrix + +Impact of COVID-19 on Servicing + +© 2020 Fannie Mae 7.1.20 Page 3 of 3 diff --git a/chunks/txt/141a6b3234afee6ac078589b77d1f609e24d843c0fef7192c9ce778fd896f8ee.txt b/chunks/txt/141a6b3234afee6ac078589b77d1f609e24d843c0fef7192c9ce778fd896f8ee.txt new file mode 100644 index 0000000000000000000000000000000000000000..1485c95f094a8d7355fc0975195a28610f853071 --- /dev/null +++ b/chunks/txt/141a6b3234afee6ac078589b77d1f609e24d843c0fef7192c9ce778fd896f8ee.txt @@ -0,0 +1,35 @@ +Image + +![NSI Timeline](/sites/default/files/styles/large/public/2023-06/nsi_timeline_1.png?itok=SMAxFF3Y) + +*Page last updated: August 25, 2022*​​​​ + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) diff --git a/chunks/txt/142d1dae593f118f66f4c969e53cb9d1c98d31111f723b1273b7dde7a9c4950f.txt b/chunks/txt/142d1dae593f118f66f4c969e53cb9d1c98d31111f723b1273b7dde7a9c4950f.txt new file mode 100644 index 0000000000000000000000000000000000000000..64897ac9081aa35a1b5ba2299539a33c29ccda0d --- /dev/null +++ b/chunks/txt/142d1dae593f118f66f4c969e53cb9d1c98d31111f723b1273b7dde7a9c4950f.txt @@ -0,0 +1,119 @@ +R + +94 + +1 + +e-6 + +PROJECT SITE + +View + +(View Type) + +GSE View Type + +The type of view associated with the +property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V +IEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSION_ +SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA +/COMPARISON_VIEW_DETAIL[@_SequenceIdentifier='1..2']/@GSEViewTyp +e + +19 + +Enumerated + +Allowable Values PDF Display +WaterView Wtr +PastoralView Pstrl +WoodsView Woods +ParkView Prk +GolfCourseView Glfvw +CityViewSkylineView CtySky +MountainView Mtn +ResidentialView Res +CityStreetView CtyStr +IndustrialView Ind +PowerLines PwrLn +LimitedSight LtdSght +Other * + +*See field e-7 directly below. + +95 + +96 + +97 + +98 + +99 + +1 + +1 + +1 + +1 + +1 + +90 + +91 + +92 + +93 + +e-7 + +PROJECT SITE + +View + +(View Type Other Description) + +GSE View Type +Other Description + +The type of view associated with the +property if other is selected. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V +IEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSION_ +SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA +/COMPARISON_VIEW_DETAIL[@GSEViewType='Other']/@GSEViewTypeOt +herDescription + +PROJECT SITE + +Specific Zoning Classification + +PROJECT SITE + +Zoning Description + +Site Zoning +Classification +Identifier + +Site Zoning +Classification +Description + +Identifies the zoning classification applied +to the site. + +/VALUATION_RESPONSE/PROPERTY/SITE/@_ZoningClassificationIdentifie +r diff --git a/chunks/txt/1438ab70a7b8c78d6cc3ffca82ebe7d67b74618f0b918c3c461bd904734d0ad5.txt b/chunks/txt/1438ab70a7b8c78d6cc3ffca82ebe7d67b74618f0b918c3c461bd904734d0ad5.txt new file mode 100644 index 0000000000000000000000000000000000000000..0645cc0672877e95750babe66a5bb6a57ec95157 --- /dev/null +++ b/chunks/txt/1438ab70a7b8c78d6cc3ffca82ebe7d67b74618f0b918c3c461bd904734d0ad5.txt @@ -0,0 +1,69 @@ +8. Multifamily: Occupancy + +This HMDA data element identifies +whether the property to which the loan +relates is to be owner-occupied as a +principal residence. This data field is +not relevant to the PUDB multifamily +Census Tract File because the PUDB +reports data for single-family and +multifamily loans in separate files, and +multifamily properties, by definition, + +are occupied by renters and thus not +owner-occupied. + +9. Multifamily: Type of Property + +This HMDA data element identifies +the type of property securing the loan +made by the HMDA-reporting lender. +This data element is not relevant to the +Enterprise PUDB multifamily Census +Tract File because the PUDB reports +data for single-family and multifamily +loans in separate files and, therefore, all +loans in the multifamily files are, by +definition, secured by multifamily +properties. + +E. Technical Revisions to Data Fields in +the PUDB Matrices + +1. Conforming to Long-Standing PUDB +Reporting Practice or Providing Greater +Clarity + +FHFA has made technical revisions to +certain data fields in the PUDB matrices +to conform the data fields to long- +standing PUDB data reporting practice +or provide greater clarity, as further +discussed below. + +a. Single-Family and Multifamily Data +Field 1: Loan Number + +This data field designates the + +sequence number assigned by FHFA in +the PUDB files that corresponds to the +loan number assigned by the Enterprise. +FHFA has changed the description of +this data field to conform the +description to the long-standing practice +of using randomly generated sequence +numbers (and not random numbers as +the previous description suggested) to +identify Enterprise mortgage loan +purchases in the PUDB. Each loan +record is assigned a different sequence +number that is randomly generated +within each file. Thus, the first loan +record in the Census Tract File is not +also the first loan record in the National +File A or National File B with a very +high degree of probability. A similar +change to the description of this data +element has been made in data field 1 +of the multifamily matrix. diff --git a/chunks/txt/1445560a7b7d293f80d280aff4addf2731619e917903202c97e905926a73786d.txt b/chunks/txt/1445560a7b7d293f80d280aff4addf2731619e917903202c97e905926a73786d.txt new file mode 100644 index 0000000000000000000000000000000000000000..e4cfc558b8f9bd393fd0c9fddcaa1c470a13bbaa --- /dev/null +++ b/chunks/txt/1445560a7b7d293f80d280aff4addf2731619e917903202c97e905926a73786d.txt @@ -0,0 +1,50 @@ +The methodology used to derive depreciated building cost in the Cost +Approach section. + +Allowable Answer + +Comparative Unit + +Quantity Survey + +Unit in Place + +Cost Method (Choose one) + +Definition / Additional Guidance + +A method used to derive a cost estimate in terms of dollars per unit of area, or volume, based on known cost of similar +structures that are adjusted for time, and physical differences. The cost estimate is then applied to the total building area. +Also known as Square Foot Method or Market Extraction Method. + +A cost-estimating method used to derive the total cost of labor and materials for each individual item used in the +construction of the improvements (e.g., nails, drywall, bricks, mortar). + +A cost-estimating method in which total building cost is estimated by adding together the unit cost for various building +components as installed. Also known as Segregated Cost Method. + +Other (Describe) + +Select Other to enter an answer that is not in the above list. + +Allowable Answer + +Breakdown + +Depreciation Method (Choose one) + +Definition / Additional Guidance + +A method of estimating depreciation in which the total loss in the value of the property is estimated by analyzing and +measuring each cause of depreciation (physical, functional and external) separately. + +Economic Age-Life + +A method of estimating depreciation in which the ratio between the effective age of the building and its total economic +life is applied to its current cost of improvements to obtain a lump-sum deduction. Also known as Age-Life. + +Modified Economic Age-Life + +A method of estimating depreciation, in which curable physical and functional depreciation are deducted from the cost of +improvements before Economic Age-Life ratios are applied. Total depreciation is the sum of the accumulated curable +elements and the Economic Age-Life lump sum. diff --git a/chunks/txt/144a7d90eaea6dfd8fff08428b63b706b9e3c299bc9dc50aa72a72a7633005bc.txt b/chunks/txt/144a7d90eaea6dfd8fff08428b63b706b9e3c299bc9dc50aa72a72a7633005bc.txt new file mode 100644 index 0000000000000000000000000000000000000000..87964d50aaf08232db8ca3d69657bdf23c039537 --- /dev/null +++ b/chunks/txt/144a7d90eaea6dfd8fff08428b63b706b9e3c299bc9dc50aa72a72a7633005bc.txt @@ -0,0 +1,34 @@ +- [1](?page=0) + - [2](?page=1) + - [Next](?page=1) + - [Last](?page=1) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) diff --git a/chunks/txt/1454b850ea32a5ea2b4643e46cb9bcda709d692a134a1f4c06b4550813a9c001.txt b/chunks/txt/1454b850ea32a5ea2b4643e46cb9bcda709d692a134a1f4c06b4550813a9c001.txt new file mode 100644 index 0000000000000000000000000000000000000000..a18838eaf2faa7b97e75c64783c555a86bee8650 --- /dev/null +++ b/chunks/txt/1454b850ea32a5ea2b4643e46cb9bcda709d692a134a1f4c06b4550813a9c001.txt @@ -0,0 +1,50 @@ +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_DemandSuppl +yType='OverSupply'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_TypicalMarket +ingTimeDurationType='UnderThreeMonths'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_TypicalMarket +ingTimeDurationType='ThreeToSixMonths'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_TypicalMarket +ingTimeDurationType='OverSixMonths'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T +ype='Condominium']/@_LowPriceAmount + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T +ype='Condominium']/@_HighPriceAmount + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T +ype='Condominium']/@_PredominantPriceAmount + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T +ype='Condominium']/@_NewestYearsCount + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T +ype='Condominium']/@_OldestYearsCount + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T +ype='Condominium']/@_PredominantAgeYearsCount + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN +D_USE[@_Type='SingleFamily']/@_Percent + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN +D_USE[@_Type='TwoToFourFamily']/@_Percent + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN +D_USE[@_Type='Apartment']/@_Percent + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN +D_USE[@_Type='Commercial']/@_Percent + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN +D_USE[@_Type='Other']/@_Percent + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/NEIGHBORHOO +D_EXTENSION/NEIGHBORHOOD_EXTENSION_SECTION[@ExtensionSect +ionOrganizationName='UNIFORM APPRAISAL +DATASET']/NEIGHBORHOOD_EXTENSION_SECTION_DATA/NEIGHBOR +HOOD_BOUNDARIES/@GSENeighborhoodBoundariesDescription diff --git a/chunks/txt/145ecd3c443d6a891e403fa76aebfbb70dbe117071268a882bbc6553a3bdd964.txt b/chunks/txt/145ecd3c443d6a891e403fa76aebfbb70dbe117071268a882bbc6553a3bdd964.txt new file mode 100644 index 0000000000000000000000000000000000000000..a86f5486aa16fa6243fbe46521259171307f2385 --- /dev/null +++ b/chunks/txt/145ecd3c443d6a891e403fa76aebfbb70dbe117071268a882bbc6553a3bdd964.txt @@ -0,0 +1,150 @@ +Prepaids + +8.245 + +PrepaidItemType + +PrepaidInterest + +8.250 + +PrepaidItemPaidFromDate + +2024-04-15 + +8.251 + +PrepaidItemPaidThroughDate + +2024-04-30 + +Provide the last day for which interest was accrued. + +8.248 + +PrepaidItemPerDiemAmount + +17.44 + +8.256 + +RegulationZPointsAndFeesIndicator + +true + +8.255 + +PrepaidItemActualPaymentAmount + +279.04 + +When no interest is prepaid, provide "0". + +3. Prepaid Tax Item-No RegulationZPointsAndFeesIndicator necessary. + +…/PREPAID_ITEM/PREPAID_ITEM_DETAIL + +8.257 + +FeePaidToType + +ThirdPartyProvider + +8.244 + +IntegratedDisclosureSectionType + +Prepaids + +8.014 + +PrepaidItemMonthsPaidCount + +6 + +8.012 + +PrepaidItemType + +CountyPropertyTax + +…/PREPAID_ITEM_PAID_TO/LEGAL_ENTITY/LEGAL_ENTITY_DETAIL + +8.019 + +FullName + +Any County USA + +…/PREPAID_ITEM_PAYMENTS/PREPAID_ITEM_PAYMENT + +8.255 + +PrepaidItemActualPaymentAmount + +315.90 + +8.253 + +PrepaidItemPaymentPaidByType + +Borrower + +8.254 + +PrepaidItemPaymentTimingType + +At Closing + +…/PREPAID_ITEM_PAYMENT + +8.255 + +PrepaidItemActualPaymentAmount + +315.90 + +8.253 + +PrepaidItemPaymentPaidByType + +Seller + +8.254 + +PrepaidItemPaymentTimingType + +Before Closing + +Provide the name of the entity to which the item is +being prepaid. + +N O T E : UCD v1.5 data point UID 8.249-PrepaidItemPerDiemCalculationMethodType, used with “PrepaidInterest” has +been removed from UCD v2.0. + +Figure 38. XML Snippet-Prepaid Line Items. + + +… + + + + + + + + + +UCD v2.0 Implementation Guide + +- 51 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 38. XML Snippet-Prepaid Line Items. + + diff --git a/chunks/txt/14638a3ba3924806fcb92f67ff899fb80f54536148aa8254f6e7083bbec3a56e.txt b/chunks/txt/14638a3ba3924806fcb92f67ff899fb80f54536148aa8254f6e7083bbec3a56e.txt new file mode 100644 index 0000000000000000000000000000000000000000..a2983641b493f0594583e74d914c1e87b58184e0 --- /dev/null +++ b/chunks/txt/14638a3ba3924806fcb92f67ff899fb80f54536148aa8254f6e7083bbec3a56e.txt @@ -0,0 +1,21 @@ +(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1) +(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)(cid:1) + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23) + +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27) + +2 + +2.0 + +1.16 diff --git a/chunks/txt/146ad106a2dcb935975d0e09a0665e12396c8897391bc893b8e4ea613ceb6bcf.txt b/chunks/txt/146ad106a2dcb935975d0e09a0665e12396c8897391bc893b8e4ea613ceb6bcf.txt new file mode 100644 index 0000000000000000000000000000000000000000..6b8d5772db4bcab669fb0b98abec4926acde0389 --- /dev/null +++ b/chunks/txt/146ad106a2dcb935975d0e09a0665e12396c8897391bc893b8e4ea613ceb6bcf.txt @@ -0,0 +1,93 @@ +Fannie Mae also asserted that there +are timing discrepancies with regard to +the reporting of data for the PUDB and +HMDA. It stated that lenders report to +HMDA those loans that are purchased or +originated in the reporting year, while +Fannie Mae reports to FHFA all +mortgages purchased in a year—whether +originated in the current year or +seasoned loans. FHFA recognizes that +because of these differences in the +nature of the PUDB and HMDA, timing +differences in the reporting of single- +family property data are inevitable. +Nevertheless, since this is a HMDA- +required data field (see 12 CFR +203.4(a)(4)), FHFA is required to obtain +such data from the Enterprises. + +Accordingly, to conform to HMDA + +reporting requirements for property +type, FHFA has added property type, +without modification, as new data field +58 in the single-family Census Tract +File. + +C. HMDA Data Elements Not +Incorporated in the PUDB, Consistent +With Section 304(j) of HMDA + +Section 1326(d) of the Safety and +Soundness Act, as amended, provides +that the information related to loan +applicants’ privacy interests as +described in section 304(j) of HMDA +shall not be disclosed to the public. +Section 304(j) requires specifically that +the following PII not be disclosed to the +public: + +(1) The applicant’s name and + +identification number; + +VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00047 Fmt 4703 Sfmt 4703 E:\FR\FM\15JYN1.SGM 15JYN1 + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +1 +B +6 +L +C +W +H +K +S +D +n +o + +n +o +s +n +b +o +r +s + +i + +41186 + +Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices + +(2) The date of the loan application; diff --git a/chunks/txt/1476aaf5d21ea731ea8791f2e471d66903a2ad2afb6d4e9fac0dd72f653e800d.txt b/chunks/txt/1476aaf5d21ea731ea8791f2e471d66903a2ad2afb6d4e9fac0dd72f653e800d.txt new file mode 100644 index 0000000000000000000000000000000000000000..5ac25632cf49021c0015b57754d6bfbbe9c5a1a6 --- /dev/null +++ b/chunks/txt/1476aaf5d21ea731ea8791f2e471d66903a2ad2afb6d4e9fac0dd72f653e800d.txt @@ -0,0 +1,153 @@ +number. + +Report +Field ID + +Not on +Report + +Report Label + +This is an +appraiser +input that +does not +display in the +sales grid + +Sales Comparison Approach: Dwelling(s) + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +N/A + +Always required + +Number + +Dwelling Exterior +• + +Units in Structure +8.001 + +No + +Units in Structure: The number of separate living units in or attached to +the dwelling that are attributable to the property, including any +accessory dwelling units. + +Note: This applies for the subject or comparable property only. +• + +If in a low-rise, mid-rise, or high-rise, this does not represent the +total number of units in the building. + +Appendix F-1: URAR Reference Guide + +Page 238 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Dwelling(s) + +Report +Field ID + +22.05.02 +22.05.21 + +22.05.02 +22.05.21 + +Year Built + +Always + +Always required + +yyyy + +Year Built + +Always + +Always required + +Yes | No + +22.05.03 +22.05.23 + +Structure +Design + +22.05.04 +22.05.25 + +Gross Building +Finished Area + +Required if +Attachment Type is +Attached + +Choose an +allowable answer +from the +Definition / +Additional +guidance column + +Required when Units +Excluding ADUs for the +subject is more than 1 + +Number of square +feet + +When +Attachment +Type is +Attached for +the subject or +any +comparable diff --git a/chunks/txt/148907ed90014325ad2a886610552e2ef0dd3d4035a5549704e153cc2533b5d6.txt b/chunks/txt/148907ed90014325ad2a886610552e2ef0dd3d4035a5549704e153cc2533b5d6.txt new file mode 100644 index 0000000000000000000000000000000000000000..469ffad53ebd3f00a240431f9d2d55dc2bb8ee40 --- /dev/null +++ b/chunks/txt/148907ed90014325ad2a886610552e2ef0dd3d4035a5549704e153cc2533b5d6.txt @@ -0,0 +1,91 @@ +© 2022 Freddie Mac and Fannie Mae. Trademarks are property of their respective owners. + +Confidential + +Fannie Mae Confidential + +This document 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. + +Summary of Changes + +Impact Memo +Section + +Date + +Change +Type + +Change Description + +Correction to the +recording fee total +amount guidance + +December 20, +2022 + +Modified Clarifying correction made to processing of recording + +fee amounts. + +New Data Point + +July 26, 2022 + +Modified + +Revised dates when the GSEs will begin accepting +and requiring the new data point. + +Enumeration +Changes + +July 26, 2022 + +Modified + +Warning messages will be generated if the +“Genworth” enumeration is used in UCD XML files. + +July 26, 2022 + +Added + +Valid values for Taxes and Other Government Fees. + +July 26, 2022 + +Critical Edit Impacts +on the UCD +Specification v1.5 + +July 26, 2022 + +Added + +New table Updated UCD Requirements for Phase +3 lists differences between the UCD Critical Edits +Matrix v5.1 (CEM) and the UCD Specification v1.5. + +Modified + +Updates to the Updated UCD Requirements for +Phases 1 and 2 table lists differences between the +CEM and the UCD Specification v1.5 for Phases 1 +and 2. + +© 2022 Freddie Mac and Fannie Mae. Trademarks are property of their respective owners. + +Confidential + +Fannie Mae Confidential + +This document 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. + +Purpose + +This Impact Memo announces the following changes to the Uniform Closing Dataset (UCD) +Specification v1.5: diff --git a/chunks/txt/14910af51b16c27774c0ff70ad8acd3daaeabdbdecd2b1b24c90e7cddc95503e.txt b/chunks/txt/14910af51b16c27774c0ff70ad8acd3daaeabdbdecd2b1b24c90e7cddc95503e.txt new file mode 100644 index 0000000000000000000000000000000000000000..dab92ea03b3a8d554c3b8592cbbc78477aa37fb9 --- /dev/null +++ b/chunks/txt/14910af51b16c27774c0ff70ad8acd3daaeabdbdecd2b1b24c90e7cddc95503e.txt @@ -0,0 +1,84 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS +IS/@EstimatedRemainingEconomicLifeYearsCount + +/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS +IS/@SiteEstimatedValueAmount + +Square Feet Count + +Identifies an area measured in square feet. +(e.g. The area of a room or deck) + +/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS +IS/NEW_IMPROVEMENT[@_Type=‘Dwelling’]/@SquareFeetCount + +The price in terms of dollars per square +foot. This is a ratio between a price and +an area, but it is a monetary value rather +than a factor or rate. (i.e. sales price per +gross living area of a property) +The dollar value of total estimated costs +to reproduce new the property +improvement. (CALCULATED +A free form text field used to capture +additional information when Other is +selected for New Improvement Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS +IS/NEW_IMPROVEMENT[@_Type=‘Dwelling’]/@PricePerSquareFootA +mount + +/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS +IS/NEW_IMPROVEMENT[@_Type=‘Dwelling’]/@_CostAmount + +/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS +IS/NEW_IMPROVEMENT[@_Type=‘Other’]/@_TypeOtherDescription + +Identifies an area measured in square feet. +(e.g. The area of a room or deck) + +/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS +IS/NEW_IMPROVEMENT[@_Type=‘Other’]/@SquareFeetCount + +4 + +9 + +5 + +9 + +12 + +20 + +10 + +Numeric + +PDF Display Format: +Whole numbers only. + +Money + +PDF Display Format: +Whole numbers only. + +Numeric + +PDF Display Format: +Whole numbers only. + +Money + +PDF Display Format: +In dollars, to two decimal places. + +Money + +PDF Display Format: +Whole numbers only. + +String + +Numeric diff --git a/chunks/txt/14984feb8e38d1f70e919ddbf7067a7f99c3478c4c951b83920d9b96d25d94e9.txt b/chunks/txt/14984feb8e38d1f70e919ddbf7067a7f99c3478c4c951b83920d9b96d25d94e9.txt new file mode 100644 index 0000000000000000000000000000000000000000..ec51458db559986bb33d50583df04fa94e7ed839 --- /dev/null +++ b/chunks/txt/14984feb8e38d1f70e919ddbf7067a7f99c3478c4c951b83920d9b96d25d94e9.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# Federal Home Loan Bank Membership Data + +## Breadcrumb + +- [Home](/) + - [FHFA Data](/data) + - Federal Home Loan Bank Membership Data + +The Federal Home Loan Bank (FHLB) system was created by the Federal Home Loan Bank Act of 1932 as a government sponsored enterprise to support mortgage lending and related community investment. It is composed of 11 FHLBanks, more than 6,500 member financial institutions, and the System's fiscal agent, the Office of Finance. Each FHLBank is a separate, government-chartered, member-owned corporation. diff --git a/chunks/txt/149fa42efeba12cf8d75fbf55523a81fd940721b6e8d7b67771fa0f2826bc329.txt b/chunks/txt/149fa42efeba12cf8d75fbf55523a81fd940721b6e8d7b67771fa0f2826bc329.txt new file mode 100644 index 0000000000000000000000000000000000000000..b556d5a3b98c5d569c7062aa65aa076e85812965 --- /dev/null +++ b/chunks/txt/149fa42efeba12cf8d75fbf55523a81fd940721b6e8d7b67771fa0f2826bc329.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/12271","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); })(); diff --git a/chunks/txt/14b8e5c4a9ba00c5a2f37cbeee84ec9f412f876ae69369b729bc2c9022206241.txt b/chunks/txt/14b8e5c4a9ba00c5a2f37cbeee84ec9f412f876ae69369b729bc2c9022206241.txt new file mode 100644 index 0000000000000000000000000000000000000000..439849655cf4f6ee17685d804ecb510d9077deba --- /dev/null +++ b/chunks/txt/14b8e5c4a9ba00c5a2f37cbeee84ec9f412f876ae69369b729bc2c9022206241.txt @@ -0,0 +1,5 @@ +Itemized List of Repairs ................................................................................................................................................................................................ 28 + +New Observed Items for Repair ................................................................................................................................................................................... 28 + +Construction Complete ................................................................................................................................................................................................ 28 diff --git a/chunks/txt/14db5ca6718a98ae4c547a77d89aa8dd7341e5e5216e44edc0b4174720439696.txt b/chunks/txt/14db5ca6718a98ae4c547a77d89aa8dd7341e5e5216e44edc0b4174720439696.txt new file mode 100644 index 0000000000000000000000000000000000000000..18ddecefb5941c006fdda45a3cb786b3b4269ff1 --- /dev/null +++ b/chunks/txt/14db5ca6718a98ae4c547a77d89aa8dd7341e5e5216e44edc0b4174720439696.txt @@ -0,0 +1,14 @@ +## HUD + +[Image + +![HUD Logo](/sites/default/files/styles/large/public/2023-11/hud-logo_1.png?itok=p6nZDWIf)](https://hud4.my.site.com/housingcounseling/s/?language=en_US) + +HUD's nationwide network of Housing Counseling Agencies provide individual counseling and group education to help current and prospective homeowners and renters make responsible housing choices. These HUD-approved agencies provide guidance and resources on homeownership, rental, service for the homeless, reverse mortgage and budget and financial literacy via face-to-face, phone and secure internet platforms. HUD has created a tool to locate housing counseling agencies that includes what languages are supported so you can find a housing counselor you can work with in your preferred language. [https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm](https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm) + +Additionally, you may call their interactive housing counseling line to be directed to housing counseling agencies in your area in the English or Spanish languages at **(800) 569-4287**. + +For help with… Services and cost Contact Availability & languages supported - Financial management/budget counseling +- Mortgage delinquency and default resolution counseling +- Non-delinquency post purchase workshops +- Pre-purchase counseling and homebuyer education workshops The Counseling line is a free automated telephone line that directs you to counselors in your area. The online locator includes the languages supported by each housing counselor **(800) 569-4287**or online [here](https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm) Housing counseling line, available in English and Spanish, and locator tool are available 24/7 but hours of operation and languages supported vary by agency ## CFPB diff --git a/chunks/txt/14dd0bbe1cbf8bf1a84a6c94c739f3812b78f36e0c6c19e262303ca74dc1f44c.txt b/chunks/txt/14dd0bbe1cbf8bf1a84a6c94c739f3812b78f36e0c6c19e262303ca74dc1f44c.txt new file mode 100644 index 0000000000000000000000000000000000000000..de7a5f8da904adb702ded6b6f0b16a45480c5b99 --- /dev/null +++ b/chunks/txt/14dd0bbe1cbf8bf1a84a6c94c739f3812b78f36e0c6c19e262303ca74dc1f44c.txt @@ -0,0 +1,54 @@ + + +Other + +LenderAffiliate + Prepaids + 12 + HomeownersInsurancePremium + true + + + + + + + + +Insurance Co. + + + + + + + + + +1209.96 + Buyer + AtClosing + + + + + + + + + +Lender + Prepaids + 2024-04-15 + 2024-04-30 + 17.44 + PrepaidInterest + true + + + + + +279.04 + Buyer + AtClosing diff --git a/chunks/txt/14de95d5d91cc8ca317f09ce0c9a49544037f8d41564210fd099f532a78a55f7.txt b/chunks/txt/14de95d5d91cc8ca317f09ce0c9a49544037f8d41564210fd099f532a78a55f7.txt new file mode 100644 index 0000000000000000000000000000000000000000..90604a7657212bd6738eeebc142690fa30a30562 --- /dev/null +++ b/chunks/txt/14de95d5d91cc8ca317f09ce0c9a49544037f8d41564210fd099f532a78a55f7.txt @@ -0,0 +1,127 @@ +Uniform Residential Appraisal Report + +Page 5 of 21 +Page 5 of 21 + +Sketch + +Measurement Standard + +ANSI + +Sketch + +Dwelling Exterior + +Subject Property Units in +Structure +Dwelling Style +Front Door Elevation +Year Built +Construction Method +Converted Area + +1 +Colonial +3-4 Ft. +2004 +Site Built +None + +This is where the Subject Property photo would display. + +Appraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1) + +Uniform Residential Appraisal Report + +Page 6 of 21 +Page 6 of 21 + +Dwelling Exterior (continued) + +Quality and Condition + +Exterior Quality Rating + +Q4 + +Exterior Condition Rating + +C4 + +The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report + +Exterior Features + +Feature +Exterior Walls and Trim + +Detail +Vinyl + +Quality Comment + +Foundation + +Roof + +Windows + +Poured Concrete | Basement + +Composition +Estimated Age: 10-20 years + +Vinyl Double Hung - +Thermal Pane + +Double Thermal Pane +contributes to Energy +Efficiency. + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Condition Comment +Minor cracks to vinyl typical +for age. + +Reported condition is subject +to repair; see defects table +and commentary below. + +Typical Wear and Tear + +Windows same age as house. + +Check #A + +Mechanical System Details + +Heating + +Cooling + +System +Forced Warm Air + +Centralized + +Detail +Natural Gas + +Core Heating System Below Grade + +Other Mechanical Systems + +Sump Pump +Water Heater + +Yes No +  + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior) diff --git a/chunks/txt/14e49d4e162fe78d9e06b3db9522160a2deac6510d9e84cd8c0abf3aa31882bb.txt b/chunks/txt/14e49d4e162fe78d9e06b3db9522160a2deac6510d9e84cd8c0abf3aa31882bb.txt new file mode 100644 index 0000000000000000000000000000000000000000..47ac9cbc7ba0875642dffe27ea3f6f9520611547 --- /dev/null +++ b/chunks/txt/14e49d4e162fe78d9e06b3db9522160a2deac6510d9e84cd8c0abf3aa31882bb.txt @@ -0,0 +1,189 @@ +Inground Pool - Heated + +— $20,000 + +Deck | Deck | Patio | Porch + +Deck | Patio +| Porch + +$5,000 + +Deck | Deck | +Patio | Porch + +Inground Pool - +Diving Board + +Deck | Patio + +$10,000 + +$0 + +Inground Pool - +Diving Board + +$0 + +Vehicle Storage + +Type | Spaces | Detail + +Carport | 2 | Detached +400 Sq. Ft. +Driveway | 4 | Asphalt +Garage | 2 | Attached +528 Sq. Ft. + +$10,000 + +$10,000 + +$10,000 + +Driveway | 6 | Gravel +Garage | 2 | Attached + +Driveway | 6 | Asphalt +Garage | 2 | Detached + +Driveway | 4 | Gravel +Garage | 2 | Detached + +Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts) + +Outbuilding Type + +Finished Area + +Unfinished Area + +Heating + +Utilities + +Summary + +List Price + +Contract Price + +Sale Price + +Net Adjustment Total + +Price Per Finished +Area Above Grade + +Adjusted Price + +Comparable Weight + +— + +— + +— + +— + +— + +$799,900 + +$770,000 + +Stable $(20,000) + +Pool House + +$(5,000) + +Studio $(16,000) + +0 Sq. Ft. + +864 Sq. Ft. + +None + +Electricity + +$855,000 + +— + +$825,000 + +$(41,900) + +$221 + +$783,100 + +Most + +192 Sq. Ft. + +0 Sq. Ft. + +None + +Electricity + +$779,000 + +— + +$765,000 + +$3,380 + +$215 + +$768,380 + +Most + +400 Sq. Ft. + +0 Sq. Ft. + +Yes + +Electricity + +$799,999 + +— + +$775,000 + +$14,480 + +$312 + +$789,480 + +Less + +Indicated Value by Sales Comparison Approach + +Indicated Value + +$775,000 + +Reconciliation of Sales Comparison Approach + +The subject and comparables are located within a market area that has a rural nature while being within 40 miles commuting distance to +the Northern Virginia and Washington, DC metropolitan and suburban area business and government centers. Within this market segment +larger lots with pastoral views and accessory structures and outbuildings are typical. However, sales of properties with accessory dwelling +units, while not uncommon, can be difficult to identify as the units are often not advertised as separate living areas. Comparables #1 and #2 +are given greatest consideration as they contain accessory dwelling units that are located within the main dwelling but are otherwise similar +to the subject’s accessory unit. Comparables #1 and #2 are also similar to the subject in age and Comparable #2 is most similar to the subject +in level and quality of updates. Comparable #3 has a garage, an ADU, and a separate studio. The ADU shares a common wall with the garage. +However, Comparable #3 receives least consideration as it is an older farmhouse that has been gut renovated, including foundation work to +upgrade and provide additional support. The renovation was completed with a high level of quality and craftsmanship while maintaining +vintage characteristics (e.g., random width wood flooring and trim that has been restored and refinished) which may appeal to a different +buyer pool than houses of the subject and comparable #1 and #2’s vintage. diff --git a/chunks/txt/14e6062b97e1be9ef2297246fccd403f9ed7a3f95244a658cf7f8ee923f1e3e2.txt b/chunks/txt/14e6062b97e1be9ef2297246fccd403f9ed7a3f95244a658cf7f8ee923f1e3e2.txt new file mode 100644 index 0000000000000000000000000000000000000000..47f2b54d6b5567bc74690d2100eab7bd2c47910d --- /dev/null +++ b/chunks/txt/14e6062b97e1be9ef2297246fccd403f9ed7a3f95244a658cf7f8ee923f1e3e2.txt @@ -0,0 +1,83 @@ +Uniform Residential Appraisal Report + +Page 13 of 29 +Page 13 of 29 + +Highest and Best Use + +Is the present use of the subject property … + +Legally Permissible +Physically Possible + +Yes +Yes + +Financially Feasible +Maximally Productive + +Yes +Yes + +Yes No +Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?   + +Highest and Best Use Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Market + +Market Area Boundary The subject market is roughly bounded by Keaau and Hawaii State parkland to the north, the Pacific Ocean to the +east and the south, and State Route 130 to the west. + +Search Criteria Description Closing dates between 09/01/2018-09/01/2019 and bounded by Keaau and Hawaii State parkland to the north, +the Pacific Ocean to the east and the south, and State Route 130 to the west. + +Search Result Metrics + +Active Listings + +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales + +7 +148 +$234,900 +$352,000 +$739,000 +1 + +Sales in Past 12 Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Price Trend Source + +10 +$200,500 +$403,230 +$620,000 +No +MLS + +Price Trend Analysis Commentary An analysis of the sales in the past year for the subject’s market area shows sales volume to be consistent +across the year. Supply and demand are in balance and the absorption rate is typical of historical trends. The market in the subject area is +considered to be stable. + +Housing Trends + +Demand/Supply + +Market Commentary + +In Balance + +Marketing Time diff --git a/chunks/txt/14e6f12711cbbc961743372df316ac8f685d4fd7de0485a2cf867441dc6c6cb0.txt b/chunks/txt/14e6f12711cbbc961743372df316ac8f685d4fd7de0485a2cf867441dc6c6cb0.txt new file mode 100644 index 0000000000000000000000000000000000000000..0fc982d728625ffd648c5d54f2107c666df2bba1 --- /dev/null +++ b/chunks/txt/14e6f12711cbbc961743372df316ac8f685d4fd7de0485a2cf867441dc6c6cb0.txt @@ -0,0 +1,23 @@ +The COVID-19 Pandemic Migration (the Migration) led to a decline in state-level acquisition shares of manufactured housing mortgages on the West Coast and increasing shares in the Sun Belt states. This blog demonstrates how financing from the Enterprises enabled a practical solution for lower-income... + - FHFA Statistics + +January 2, 2025 + +## [Trends in Median Appraised Value for Properties With Accessory Dwelling Units in California](/blog/statistics/trends-in-median-appraised-value-for-properties-with-accessory-dwelling-units-in-california) + +FHFA analysis shows higher relative growth in the median appraised value for Enterprise-backed single-family properties with accessory dwelling units than for those without accessory dwelling units in the state of California between 2013 and 2023. UAD Aggregate Statistics The Federal Housing Finance... + - FHFA Insights + +December 23, 2024 + +## [Who Lives in Rural America?](/blog/insights/who-lives-in-rural-america) + +Introduction In this blog post, we share insights into the demographics and housing characteristics of rural America. Through our analysis of the Census Bureau’s American Community Survey (ACS), we find that, on average, rural areas are older, have lower labor force participation rates, and have... + - FHFA Insights + +December 20, 2024 + +## [An Overview of FHFA’s Key Initiatives to Address Climate-Related Financial Risks](/blog/insights/an-overview-of-fhfas-key-initiatives-to-address-climate-related-financial-risks) + +The Federal Housing Finance Agency (FHFA) recognizes that the growing frequency and severity of natural disasters, as well as rapidly increasing insurance costs, presents a serious threat to homeowners, renters, and the U.S. housing finance system. As a result, FHFA has been engaging in a variety of... + - FHFA Insights diff --git a/chunks/txt/14fe0ec8ae86ab569cd326888c0964c45a89e7fad2d0813cfb9056f18acb86ec.txt b/chunks/txt/14fe0ec8ae86ab569cd326888c0964c45a89e7fad2d0813cfb9056f18acb86ec.txt new file mode 100644 index 0000000000000000000000000000000000000000..49f9fb22eedad0b21958a9f4b5a1cc66a8a8c327 --- /dev/null +++ b/chunks/txt/14fe0ec8ae86ab569cd326888c0964c45a89e7fad2d0813cfb9056f18acb86ec.txt @@ -0,0 +1,63 @@ +18 + +CounselingFormatType, 18, 60 +CounselingFormatTypeOtherDescription, 18 +CountryCode, 60 +ConvertibleIndicator, 47 +ConvertibleStatusType, 46, 47 +CreditRepositorySourceIndicator, 60 +CreditRepositorySourceType, 60 +CreditScoreValue, 60 +DownPaymentAmount, 22 +DownPaymentSourceType, 22, 70 +DownPyamentType, 22 + +FirstName, 60 +FirstRateChangePaymentEffectiveDate, 52 + +FullName, 60 +GenderType, 60 +HMDAEthnicityType, 60 +HMDARaceType, 60 +InterestRateRoundingPercent, 52 +InterestRateRoundingType, 52 +LastName, 60 +LegalEntityType, 60 +LatestConversionEffectiveDate, 44, 47 +LoanAmortizationPeriodCount, 21 +LoanAmortizationPeriodType, 21 +LoanMaturityPeriodCount, 21 +LoanMaturityPeriodType, 21 +LoanModificationEffectiveDate, 44, 46 +LoanOriginatorType, 57, 61 +LoanProgramAffordableIndicator, 19, 77 +LoanRoleType, 28, 29, 35, 41, 43, 47, 75 +LoanStateDate, 35, 42, 43, 45 - 49 +LoanStateType, 16, 24, 35, 40-47, 54, 77 +MarginRatePercent, 52 +MICompanyNameType, 17 +MICompanyNameTypeOtherDescription, 17 +MICurrentAnnualPremiumAmount, 22 +MiddleName, 60 +MIPremiumPaymentType, 22 +MIPremiumSourceType, 22 +MISMOReferenceModelIdentifier, 28, 30 +MortgageModificationIndicator, 45, 46, 49 +NextRateAdjustmentEffectiveDate, 55 +NoteDate, 14, 42-47 +PartyRoleIdentifier, 57, 60-62 +PartyRoleType, 35, 39, 41, 56-63, 76 +PerChangeMaximumDecreaseRatePercent, 54 +PerChangeMaximumIncreaseRatePercent, 54 +PerChangeRateAdjustmentEffectiveDate, 54, 56 +PerChangeRateAdjustmentFrequencyMonthsCoun + +t, 54 + +PostalCode, 60, 77 +PriceLockDateTime, 14 +PropertyValuationAmount, 20 +StateCode, 60 +SuffixName, 60 +TaxpayerIdentifierType, 60 +TaxpayerIdentifierValue, 60 diff --git a/chunks/txt/151617cf511817315d93e2471cc4ad6aa7a48bb5bd1ae00bf0ba098235fc782d.txt b/chunks/txt/151617cf511817315d93e2471cc4ad6aa7a48bb5bd1ae00bf0ba098235fc782d.txt new file mode 100644 index 0000000000000000000000000000000000000000..1573dd2fadfe1ef61660d2e807b7a96b11c10fb1 --- /dev/null +++ b/chunks/txt/151617cf511817315d93e2471cc4ad6aa7a48bb5bd1ae00bf0ba098235fc782d.txt @@ -0,0 +1,43 @@ +The overall count of appraisal records does not +directly compare to other Enterprise loan counts +FHFA publishes. Some loans acquired by the +Enterprises do not receive an appraisal. + +As noted in Section 3, the universe of appraisal +records used to produce the Enterprise UAD +Appraisal-Level PUF includes only appraisal records +of loans acquired by the Enterprises while the +universe of appraisal records used to produce the +UAD Aggregate Statistics Data File does not have this +restriction. +Described in Section 4. + +FHFA internally verified the appraisal records in the +UAD Appraisal-Level PUF. The primary method was +“code replication,” whereby two different persons or +teams produced the UAD Appraisal-Level PUF, then +compared them to ensure consistency. Where +inconsistency was discovered, differences were +resolved. +FHFA’s Office of Congressional Affairs and +Communications posts final products on FHFA’s +website. Once the final products post, FHFA staff +download the product and perform a check to ensure +the correct version is on the website. + +Federal Housing Finance Agency + +11 + +UAD PUF Version 2.1 Data Documentation + +Appendix 1. Protocol for Identifying Unique Final +Appraisals in the UAD + +The process below describes how FHFA created the universe of appraisal records eligible to include in +the UAD Appraisal-Level PUF. These steps were carried out sequentially to identify unique final +appraisals in the UAD. + +1. Keep only active appraisals using the active document identification data field. + +2. Keep only appraisals that were successfully submitted through the UCDP or EAD systems, as diff --git a/chunks/txt/151875025abe93c72149d9498d4e6f16a438367a13a45a6ff37192a133714fd2.txt b/chunks/txt/151875025abe93c72149d9498d4e6f16a438367a13a45a6ff37192a133714fd2.txt new file mode 100644 index 0000000000000000000000000000000000000000..c38c1b90d6e4a2a570f905b4fd17de2f912f4a48 --- /dev/null +++ b/chunks/txt/151875025abe93c72149d9498d4e6f16a438367a13a45a6ff37192a133714fd2.txt @@ -0,0 +1,19 @@ +Yes. Upon receipt, each GSE validates the UCD XML file structure and syntax against the MISMO v3.3.0299 Reference Model schema upon submission. For UCD XML files based on the UCD v2.0, the GSEs will also validate against the ucd schema (ucd.xsd). + +**40. How should I handle negative values in the UCD XML file? For example, should the Aggregate Adjustment value in the Closing Costs Details section of the Closing Disclosure be submitted as a negative value in the XML file?** + +In general, any value that is reflected as a negative value on the CD, for example, an aggregate adjustment, should be provided as a negative value in the UCD XML file. Refer to the Potential Sign Conflict table in the UCD Implementation Guide for additional examples. + +**41. What is the DisplayLabelText attribute?** + +The *DisplayLabelText* attribute is used by document preparation providers to render a non-enumerated value on the CD for fee, prepaid, escrow, liability and closing adjustment items. This allows Sellers to continue to use proprietary terminology when disclosing costs. For example, a *DisplayLabelText* value of “Attorney Doc Prep Fee” appears on the CD, but the corresponding supported enumerated value of “DocumentPreparationFee” would be provided for FeeType (v1.5) / ucd:FeeItemType (v2.0) in the UCD XML file. A sample XML snippet based on UCD v1.5 is provided below: + +Sample XML Snippet: + +![picture1.png](/sites/g/files/koqyhd181/files/2025-09/Screenshot%202025-09-25%20161700.png) + +Sample Form Snippet: + +![picture2.png](/sites/g/files/koqyhd181/files/2023-11/picture2.png) + +campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } }); diff --git a/chunks/txt/15230d1597d57513791cf2adec8d734878b24320ee64596b93d2b7a1aa0a8ef2.txt b/chunks/txt/15230d1597d57513791cf2adec8d734878b24320ee64596b93d2b7a1aa0a8ef2.txt new file mode 100644 index 0000000000000000000000000000000000000000..810fb897b54b516d4f3d04d2415cf72e9a1668dc --- /dev/null +++ b/chunks/txt/15230d1597d57513791cf2adec8d734878b24320ee64596b93d2b7a1aa0a8ef2.txt @@ -0,0 +1,21 @@ +29.047 + +26. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government +sponsored enterprises, and other secondary market participants may choose to rely on this appraisal report as part of any mortgage finance +transaction that involves any one or more of these parties. A person or entity who receives a copy of an appraisal report does not become +an intended user, unless the appraiser identifies such person as an intended user. The appraiser and supervisory appraiser (if applicable) +shall have no liability for any use of this appraisal report not related to the mortgage finance transaction and related activities for which this +appraisal report was prepared. + +29.048 + +27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable +federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation +of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. + +29.049 + +28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties +including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar +state laws. diff --git a/chunks/txt/15284ed45773ff99f3b650afe026cebd0329c98d79f73665c34c340f5fe58c6a.txt b/chunks/txt/15284ed45773ff99f3b650afe026cebd0329c98d79f73665c34c340f5fe58c6a.txt new file mode 100644 index 0000000000000000000000000000000000000000..ca00cf2e5027d81a84353251857a089fbf6b6fec --- /dev/null +++ b/chunks/txt/15284ed45773ff99f3b650afe026cebd0329c98d79f73665c34c340f5fe58c6a.txt @@ -0,0 +1,49 @@ +Page 164 + +System + +• Heating - HeatingSystemType (UID: 0300.0088, FID: 8.049) If there are multiple, display as stacked in a new row. + +o When HeatingSystemType <> None, Detail - HeatingFuelType (UID: 0300.0086, FID: 8.050) must be provided for each heating + +system type. + +o When HeatingSystemType = None, Detail - LackOfHeatingSystemTypicalToMarketIndicator (UID: 0300.0083, FID: 8.050) is + +required. + +▪ When true, display “Typical for Market” +▪ When false, display “Not Typical for Market” + +• Cooling – Always displays + +o CoolingSystemExistsIndicator (UID: 0300.0022, FID: 8.051) + +▪ When true, display the CoolingSystemType (UID: 0300.0084, FID: 8.051). If there are multiple, display as stacked in a new + +row. + +▪ When false, display “None”. +▪ No information is displayed in the Detail column for Cooling. + +Core Heating System Below Grade - CoreHeatingSystemBelowGradeIndicator (UID: 0300.0116, FID: 8.052) checkboxes display when +HeatingSystemType <> “None” (Figure 8 - 5) + +Other Mechanical Systems + +Appendix B-1: URAR Implementation Guide v1.3 + +• Other Mechanical Systems - MechanicalSystemType (UID: 0300.0090, FID: 8.053) displays when provided. If there are multiple, display as + +stacked. (Figure 8 - 5) + +o When there are no other mechanical systems, Other Mechanical Systems does not display. + +Page 165 + +Figure 8 - 5 + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior – [Structure Identifier]) + +The Apparent Defects, Damages, Deficiencies (Dwelling Exterior – [Structure Identifier]) subsection always displays. The Structure Identifier +(FID: 8.054), when applicable, redisplays from the black tab (FID: 8.000). diff --git a/chunks/txt/1528fec7daa82c41ddcd932c649217781ff32831c875a31679f77d8f711de794.txt b/chunks/txt/1528fec7daa82c41ddcd932c649217781ff32831c875a31679f77d8f711de794.txt new file mode 100644 index 0000000000000000000000000000000000000000..a153f60a641910be04ec761ccfed9e8924eb1a25 --- /dev/null +++ b/chunks/txt/1528fec7daa82c41ddcd932c649217781ff32831c875a31679f77d8f711de794.txt @@ -0,0 +1,3 @@ +7.12.23 + +3 of 3 diff --git a/chunks/txt/153c691f571bcba83a5559314101906198ff143a88f5805a8a6b80661665b5ae.txt b/chunks/txt/153c691f571bcba83a5559314101906198ff143a88f5805a8a6b80661665b5ae.txt new file mode 100644 index 0000000000000000000000000000000000000000..532fc12b73421f61d5e43f34ee9cc837584a6d42 --- /dev/null +++ b/chunks/txt/153c691f571bcba83a5559314101906198ff143a88f5805a8a6b80661665b5ae.txt @@ -0,0 +1,49 @@ +Product Eligibility + +Improvements are permitted on existing properties in conjunction with all standard Guide products and features including, +but not limited to: + +loans with deed restrictions (including programs that allow below market rate mortgages), + +• high-balance loans, +• Community Seconds, +• +• down payment assistance programs, +• HomeReady loans, and +• Community Land Trusts. + +HomeStyle Refresh loans are subject to the applicable LTV, CLTV, and HCLTV ratios for purchase and limited cash-out + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 177 of 166 + +UAD 3.6 Policy + +refinance transactions found in the Eligibility Matrix . Improvements cannot be financed in the loan amount of a high LTV +refinance loan. +Note: Improvements are permitted on a cash-out refinance, however the transaction is not considered a HomeStyle Refresh +loan. All standard cash-out refinance policies apply. + +Eligible Property and Occupancy Types + +All one- to four-unit existing properties are eligible for HomeStyle Refresh. All property types are eligible. Manufactured +homes are eligible provided the improvements do not include structural changes. + +All occupancy types are permitted. + +Eligible Improvements + +The HomeStyle Refresh program may be used to make improvements and renovations to an existing property, such as: + +• kitchen or bathroom updates; +• + +construction of outdoor buildings and structures when allowed by local zoning regulations, for example swimming +pools, decking, screening and porch, and patio additions; + +• adding or renovating an accessory dwelling unit; +• + +improvements or repairs related to disaster damage or improvements to protect the property from future disaster, +such as diff --git a/chunks/txt/154404af7a8a8703d141682448a77c31b1747db7a7c22df8cc16f0ef33006829.txt b/chunks/txt/154404af7a8a8703d141682448a77c31b1747db7a7c22df8cc16f0ef33006829.txt new file mode 100644 index 0000000000000000000000000000000000000000..c3eeab66d56809d4b45ee84cc1110b61a14f891c --- /dev/null +++ b/chunks/txt/154404af7a8a8703d141682448a77c31b1747db7a7c22df8cc16f0ef33006829.txt @@ -0,0 +1,72 @@ +41180 + +Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices + +PLACE: 999 E Street, NW., Washington, +DC. +STATUS: This meeting will be closed to +the public. +ITEMS TO BE DISCUSSED: Compliance +matters pursuant to 2 U.S.C. 437g. +Audits conducted pursuant to 2 U.S.C. +437g, 438(b), and Title 26, U.S.C. +Matters concerning participation in civil +actions or proceedings or arbitration. +Internal personnel rules and procedures +or matters affecting a particular +employee. +* +* +DATE AND TIME: Thursday, July 15, 2010, +at 10 a.m. +PLACE: 999 E Street, NW., Washington, +DC (ninth floor). +STATUS: This meeting will be open to the +public. +ITEMS TO BE DISCUSSED: Correction and +Approval of Minutes. + +* + +* + +* + +Draft Advisory Opinion 2010–09: + +Club for Growth, by its counsel, Carol A. +Laham, Esq., and D. Mark Renaud, Esq., +of Wiley Rein LLP. + +Draft Advisory Opinion 2010–10: +National Right to Life Political Action +Committee, by its counsel, Barry A. +Bostrom, Esq., James Bopp, Jr., Esq., and +Zachary S. Kester, Esq., of Bopp, +Coleson & Bostrom. + +Draft Advisory Opinion 2010–11: + +Commonsense Ten, by its counsel, Marc +E. Elias, Esq., and Ezra Reese, Esq., of +Perkins Coie LLP. + +Management and Administrative + +Matters. + +Individuals who plan to attend and +require special assistance, such as sign +language interpretation or other +reasonable accommodations, should +contact Darlene Harris, Deputy +Commission Secretary, at (202) 694– +1040, at least 72 hours prior to the +hearing date. +PERSON TO CONTACT FOR INFORMATION: +Judith Ingram, Press Officer; Telephone: +(202) 694–1220. + +Shawn Woodhead Werth, +Secretary and Clerk of the Commission. +[FR Doc. 2010–17052 Filed 7–14–10; 8:45 am] diff --git a/chunks/txt/156118ba0152b6558b3b9a5c390f45796cade86bdca8b1880ce7198d12a3f8da.txt b/chunks/txt/156118ba0152b6558b3b9a5c390f45796cade86bdca8b1880ce7198d12a3f8da.txt new file mode 100644 index 0000000000000000000000000000000000000000..37377af70d5b0c2986125dada566cdece077f8e4 --- /dev/null +++ b/chunks/txt/156118ba0152b6558b3b9a5c390f45796cade86bdca8b1880ce7198d12a3f8da.txt @@ -0,0 +1,3 @@ +Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + +[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/376&order=field_release_date&sort=asc) Report Attachment August 15, 2025 [2024 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2024) [Read Report](/document/2024-dodd-frank-act-stress-test-results) August 15, 2025 [2025 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2025) [Read Report](/document/2025-dodd-frank-act-stress-test-results) August 10, 2023 [2023 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2023) [Read Report](/media/51751) August 12, 2022 [2022 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2022) [Read Report](/media/30056) August 13, 2021 [2021 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2021) [Read Report](/media/30476) August 12, 2021 [2020 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2020) [Read Report](/media/30286) August 15, 2019 [2019 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2019) [Read Report](/media/30026) August 07, 2018 [2018 Dodd-Frank Act Stress Tests Results - Severely Adverse Scenario](/reports/stress-tests-report/2018) [Read Report](/document/2018-dfast-severely-adverse-scenario) August 07, 2017 [2017 Dodd-Frank Act Stress Tests Results - Severely Adverse Scenario](/reports/stress-tests-report/2017) [Read Report](/document/2017-dfast-severely-adverse-scenario.pdf) August 08, 2016 [Dodd-Frank Act Stress Tests - Severely Adverse Scenario](/reports/stress-tests-report/2016) [Read Report](/document/2016-dfast-severely-adverse-scenario) April 30, 2015 [Dodd-Frank Act Stress Tests - Severely Adverse Scenario](/reports/stress-tests-report/2015) [Read Report](/document/2015-dfast-severely-adverse-scenario) April 30, 2014 [Projections of the Enterprises' Financial Performance (Stress Tests) 4/30/2014](/reports/stress-tests-report/2014) [Read Report](/media/24956) October 26, 2012 [Projections of the Enterprises’ Financial Performance - October 2012](/reports/stress-tests-report/2012) [Read Report](/media/23791) October 27, 2011 [Projections of the Enterprises’ Financial Performance - October 2011](/reports/stress-tests-report/2011) [Read Report](/document/enterprises-financial-performance-projections-2011) October 21, 2010 [Projections of the Enterprises’ Financial Performance - October 2010](/reports/stress-tests-report/2010) [Read Report](/document/enterprises-financial-performance-projections-oct-2010) diff --git a/chunks/txt/1563ce091b4b8565d1a5a452b88730f1df67fbe8f837f0d5970db2bbc2a745ec.txt b/chunks/txt/1563ce091b4b8565d1a5a452b88730f1df67fbe8f837f0d5970db2bbc2a745ec.txt new file mode 100644 index 0000000000000000000000000000000000000000..23c1f39e5dd30eda113ffe701263d6d22333a5f1 --- /dev/null +++ b/chunks/txt/1563ce091b4b8565d1a5a452b88730f1df67fbe8f837f0d5970db2bbc2a745ec.txt @@ -0,0 +1,55 @@ +As an example, in the most common scenario where the lender is the client, select both of those Roles when +inputting the lender contact information to provide context that the lender is also the client. + +Allowable Answer + +Appraisal Management +Company (AMC) + +Attorney + +Client + +Investor + +Lender + +Other + +Lender, Client, and AMC: Role (Choose one or more for each Contact) + +Definition / Additional Guidance + +Notes: +• +• +• + +If there is an AMC for the assignment, it must be identified in addition to the lender. +Do not select this answer if there is no AMC for the assignment, i.e., do not populate with “No AMC”. +In some jurisdictions, the appraiser is required to identify the AMC as the client. In those cases, choose both AMC +and Client as the Role for the AMC. + +A person admitted to practice law in at least one jurisdiction and authorized to perform criminal and civil legal functions on +behalf of clients. +Note: Select this answer when an attorney has ordered the appraisal (is the client). + +Select one contact to be the client. +For FHA, VA and USDA appraisals, reference the appropriate government agency appraisal guidelines. + +The party who engages an appraiser by employment or contract in a specific assignment whether directly or through an +agent. +Notes: +• +• +Examples: +• +• +• + +The lender is the client. +The AMC is the client for jurisdictions in which the AMC is required to be noted as the client in the report. +Another entity, such as Attorney or Investor is the client. + +The entity that purchases or holds the loan on the property. +Note: Select this answer when the investor has ordered the appraisal (is the client), such as for REO appraisals. diff --git a/chunks/txt/1570dd99615a745c842a3059546db5127aaadfe241b7838fbafdbd770dcdccc2.txt b/chunks/txt/1570dd99615a745c842a3059546db5127aaadfe241b7838fbafdbd770dcdccc2.txt new file mode 100644 index 0000000000000000000000000000000000000000..f238c6a6af521368642ae62954c9c8c2501e0899 --- /dev/null +++ b/chunks/txt/1570dd99615a745c842a3059546db5127aaadfe241b7838fbafdbd770dcdccc2.txt @@ -0,0 +1,85 @@ +Comparable Has +Prior Sales Indicator + +Indicates whether the comparable +property has prior sales history. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/RESEARCH/COMPARABLE[@_HasPriorSalesIndicator=‘Y’] + +Comparable Has +Prior Sales Indicator + +Indicates whether the comparable +property has prior sales history. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/RESEARCH/COMPARABLE[@_HasPriorSalesIndicator=‘N’] + +1 + +1 + +Boolean + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +Boolean + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +Comparable Prior Sales History +Data Source(s) + +Data Source +Description + +A free-form text field used to describe the +source of information. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/RESEARCH/COMPARABLE/@DataSourceDescription + +150 + +String + +This field should indicate the data sources for the comparables’ prior sale history. + +If field 2-106 (Sales History Researched +Indicator = 'N') is indicated, this field should be +populated. + +One and only one of fields 2-108, 2-109 (values +of Subject Has Prior Sales Indicator) must be +indicated. + +One and only one of fields 2-108, 2-109 (values +of Subject Has Prior Sales Indicator) must be +indicated. + +One and only one of fields 2-111, 2-112 (values +of Comparable Has Prior Sales Indicator) must +be indicated. + +One and only one of fields 2-111, 2-112 (values +of Comparable Has Prior Sales Indicator) must +be indicated. + +Date of Prior Sale/Transfer +SUBJECT + +GSE Prior Sale Date + +The date of the prior sale of the subject or +comparable properties. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0’]/PRIOR +_SALES/PRIOR_SALES_EXTENSION/PRIOR_SALES_EXTENSION_S +ECTION[@ExtensionSectionOrganizationName +='UNIFORM APPRAISAL DATASET ']/ +PRIOR_SALES_EXTENSION_SECTION_DATA/PRIOR_SALE/@GSEP +riorSaleDate diff --git a/chunks/txt/15832ff4775db4b140d9fb7e9f750b29cae5ce6bd1b3da0b7b1e84d2d807a976.txt b/chunks/txt/15832ff4775db4b140d9fb7e9f750b29cae5ce6bd1b3da0b7b1e84d2d807a976.txt new file mode 100644 index 0000000000000000000000000000000000000000..be1659977e94fe41869b48208362a007e41f43a2 --- /dev/null +++ b/chunks/txt/15832ff4775db4b140d9fb7e9f750b29cae5ce6bd1b3da0b7b1e84d2d807a976.txt @@ -0,0 +1,64 @@ +Uniform Closing Dataset (UCD) Specification +Issued by Fannie Mae and Freddie Mac +Appendix E: UCD Implementation Guide +Document Version 1.4 +December 11, 2018 + +In support of the +Integrated Mortgage Closing Disclosure under the +Real Estate Settlement Procedures Act (Regulation X) +and the Truth in Lending Act (Regulation Z) +Issued by the CONSUMER FINANCIAL PROTECTION BUREAU +Published in the Federal Register on December 31, 2013 + +and all subsequent amendments and corrections: +83 FR 19159 (May 2, 2018) +82 FR 37656 (August 11, 2017) +81 FR 7032 (February 10, 2016) +80 FR 80228 (December 24, 2015) +80 FR 43911 (July 24, 2015) +80 FR 8767 (Feb. 19, 2015) +80 FR 43911 (July 24, 2015) +80 FR 80228 (December 24, 2015) + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the +Federal Housing Finance Agency. +©2018 Freddie Mac and Fannie Mae. All Rights Reserved. MISMO® is a registered trademark of the Mortgage Industry Standards Maintena nce +Organization. + +Uniform Closing Dataset + +Revision History + +REVISION HISTORY + +Date + +Version +Number + +December 11, 2018 + +1.4 + +March 31, 2017 + +May 31, 2016 + +1.3 + +1.2 + +Table 1. Appendix E Revision History + +Revision Description + +Changes to this document fall into the following four categories: +• Updates driven by TILA/RESPA Integrated Disclosure Regulation amendment + +o Exemption of discount points from Reg Z points & fees: IV.B.1. To Support ATR and + +QM Requirements + +• Changes to reflect revised property seller data delivery requirements +• Corrections and revisions to align with Appendix I, v1.5 diff --git a/chunks/txt/15850d643992f11631bd3178c8f2003ad367e2e832834fa5b77dfb4c774b5599.txt b/chunks/txt/15850d643992f11631bd3178c8f2003ad367e2e832834fa5b77dfb4c774b5599.txt new file mode 100644 index 0000000000000000000000000000000000000000..4be580bb6a72dfa39e31c21cfa3b0df554c01b0d --- /dev/null +++ b/chunks/txt/15850d643992f11631bd3178c8f2003ad367e2e832834fa5b77dfb4c774b5599.txt @@ -0,0 +1,156 @@ +gse:LateChargeAmou +nt + +100.00 + +gse:LateChargeGrace +PeriodDaysCount + +10 + +ROF as “$100.00” + +ROF as “10 days late” + +gse:LateChargeType FlatDollarAmount + +ROF as “$” + +Second instance of LATE_CHARGE_RULE + +17.3 … a late fee of ___ + +OR ___ + +…/gse:LATE_CHARGE +_RULE + +gse:LateChargeRateP +ercent + +2.0000 + +ROF as “2% of” + +17.3 … a late fee of ___ + +OR ___ + +gse:LateChargeType PercentageOfTotalPa + +yment + +ROF as “the monthly +principal and interest +payment.” + +End of LATE_CHARGE_RULE Instances + +17.1  will allow + +…/LOAN_DETAIL + + will not allow + +17.2  has + +17.4 | +4.1.3 + +17.4 | +4.1.3 + + does not have + + are scheduled… + may have… + do not have… + + are scheduled… + may have… + do not have… + +AssumabilityIndicato +r + +false + +DemandFeatureIndic +ator + +false + +NegativeAmortizatio +nIndicator + +true + +ROF as “ will not +allow” + +ROF as “ does not +have” + +ROF as either “ +may have” or “ are +scheduled” + +…/NEGATIVE_AMOR +TIZATION_RULE + +NegativeAmortizatio +nType + +PotentialNegativeAm +ortization + +ROF as “ may +have…” + +17.5  may accept …. + +…/PAYMENT_RULE + + may hold… + does not + +PartialPaymentAllow +edIndicator + +true + +ROF as either “ +may accept” + +17.5  may accept …. + + may hold… + does not + +…/PAYMENT/PARTIA +L_PAYMENTS/PARTIA +L_PAYMENT + +PartialPaymentApplic +ationMethodType + +ApplyPartialPayment ROF as “ may + +accept” + +Appendix E: UCD Implementation Guide + +Page 189 of 254 + +Version 1.4 + +Uniform Closing Dataset + +17.0 Loan Disclosures + +A. MAPPI NG GUI DANCE + +17.1 | 17.2 | 17.4 | 17.5 - These disclosures provide a series of statements in text mandated by the Regulation, +describing the possible features of the loan. Lenders check the box next to the statement that applies. The data +points needed to indicate which boxes are checked are Indicators and enumerated Types as illustrated in Table +125. diff --git a/chunks/txt/1591f08f6a3763cc65f887d39ca94a4cded446d9e6ad5569ca1a32e1cfb70a65.txt b/chunks/txt/1591f08f6a3763cc65f887d39ca94a4cded446d9e6ad5569ca1a32e1cfb70a65.txt new file mode 100644 index 0000000000000000000000000000000000000000..dcfc3d5708566817c3a898be9bee953b19e8f00b --- /dev/null +++ b/chunks/txt/1591f08f6a3763cc65f887d39ca94a4cded446d9e6ad5569ca1a32e1cfb70a65.txt @@ -0,0 +1,72 @@ +Financially Feasible +Maximally Productive + +Yes +Yes + +Yes No +Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?   + +Market + +Market Area Boundary Route 7 to the north, Route 611 to the east and Route 50 to the south and west + +Search Criteria Description Limiting factors of the market search include a Lot Size between 10 and 20 acres with a property containing an +ADU. Above Grade Finished area of the primary dwelling in the range of 1,800 and 4,500 square feet, with between 3-5 bedrooms and 2-4 +bathrooms. Vehicle Storage greater than or equal to a 2-car garage. Closing dates between 08/18/2018 and 08/30/2019. And, equivalent zoning +that allows agricultural and residential use. + +Search Result Metrics + +Active Listings + +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales + +15 +125 +$599,900 +$810,000 +$875,000 +3 + +Sales in Past 12 Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Graph + +Price Trend Source + +34 +$599,900 +$810,000 +$949,999 +No +Absorption Rate +Median Days on Market +Price Trend +XYZ Housing Data + +Housing Trends + +Demand/Supply + +Market Commentary + +In Balance + +Marketing Time + +3 to 6 Months + +Sales prices have been steady to slightly rising at approximately 1.5% to 2.5% annually. Supply and demand are currently balanced. Days on +Market for the settled sales were predominately in the 80 - 100 days range. Days on Market of current listings is trending higher than recent +sales due to the market entering the typically slower fall and winter periods. Absorption rate is 3 - 4 sales per month with a 4 - 5-month supply. diff --git a/chunks/txt/15932dc4a9042b427b91ec1fe6c4c2e5781aec58dc2915b18d48e98c7550cdad.txt b/chunks/txt/15932dc4a9042b427b91ec1fe6c4c2e5781aec58dc2915b18d48e98c7550cdad.txt new file mode 100644 index 0000000000000000000000000000000000000000..a3e07377f0bfeca9046ab78ec2b1134592218157 --- /dev/null +++ b/chunks/txt/15932dc4a9042b427b91ec1fe6c4c2e5781aec58dc2915b18d48e98c7550cdad.txt @@ -0,0 +1,9 @@ +### **Acquisition Distribution by Risk Rating Tab** + +The Acquisition Distribution by Risk Rating Tab in the “Select Chart/Table” filter shows the total acquisition UPB distributed in each risk rating category. The first chart shows the Single-Family Acquisition UPB distribution, and the chart below shows the Multifamily Acquisition UPB distribution. Figure 1 shows the nationwide information by composite risk rating. Selecting communities and hazards in the filter box, number 3 in Figure 1, allows users to see the UPB distribution of a state, county, and census tract by 18 hazards. + +### **National Risk Index Tab** + +The National Risk Index tab in the “Select Chart/Table” filter shows the census tract-level risk index for 18 hazards and composite risk. These represent census tract-level data, and no results will be shown unless a census tract is selected in the geographic filter area. + +Once a state is selected in the “State” filter, the map will zoom to the state and the state averages will be populated. Once the “County” filter is selected, the map will zoom to the county. The table on the right-hand side of the map show the census tracts NRI indices for the selected hazard, the Social Vulnerability Index, and the Resilience Index. The first column of the circles shows the census tract’s index, the state average index in the second column, and the national average in the third. Below the colored circles are the census tract-level expected annual losses for composite risk and the selected hazard. To see total expected annual loss broken down into each hazard type for the selected census tract, hover over any of the “Expected Annual Loss Composite ($)” cells. The tab provides information on 18 hazards and composite risk, and users can select hazard in the “Risk Type” filter in the third filter box. diff --git a/chunks/txt/1596b5fe41b30bde082075eacf49441669170e7e925d47986e8ab0263a3f1dd0.txt b/chunks/txt/1596b5fe41b30bde082075eacf49441669170e7e925d47986e8ab0263a3f1dd0.txt new file mode 100644 index 0000000000000000000000000000000000000000..0f50c1a1b52feeac11e57ed10ef882f7942da100 --- /dev/null +++ b/chunks/txt/1596b5fe41b30bde082075eacf49441669170e7e925d47986e8ab0263a3f1dd0.txt @@ -0,0 +1,124 @@ +Manufactured Home Exhibits + +HUD Data Plate + +HUD Certification Label - Section 1 + +This is where the HUD Data Plate photo would display. + +This is where the HUD Certification Label would display. + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 7 of 20 + +Manufactured Home (continued) + +HUD Certification Label - Section 2 + +Manufactured Home Certification + +This is where the HUD Certification Label would display. + +Manufactured Home Certification + +Skirting + +This is where the Skirting photo would display. + +Unit Interior + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source + +Level and Room Detail + +1,568 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +Physical Measurement + +Levels in Unit +Occupancy +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half + +1 +Owner +3 +2 +0 + +Level in Unit +Level 1 + +Grade Level Detail +Above Grade + +Finish +Finished + +Area +1,568 Sq. Ft. + +Room Summary +2 - Bath - Full +3 - Bedroom +1 - Dining Room +1 - Kitchen +1 - Laundry Room +1 - Living Room + +Quality and Condition + +Interior Quality Rating + +Q3 + +Interior Condition Rating + +C2 + +The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report + +Kitchen and Bathroom Details + +Room +Kitchen +Level 1 + +Bath - Full +Level 1 + +Bath - Full +Level 1 + +Update Status +Fully Updated + +Time Frame +1-5 Years + +Fully Updated + +1-5 Years + +Fully Updated + +1-5 Years + +Quality Comment +All appliances are +Energy Star® Rated, +countertops are solid +surface. diff --git a/chunks/txt/15c5ac181b6d05062831aca9ba5c8c9a89e963034e74a902a3e90c45847bbcca.txt b/chunks/txt/15c5ac181b6d05062831aca9ba5c8c9a89e963034e74a902a3e90c45847bbcca.txt new file mode 100644 index 0000000000000000000000000000000000000000..81993f20af67744d7b7d893a355cc7d171583a1b --- /dev/null +++ b/chunks/txt/15c5ac181b6d05062831aca9ba5c8c9a89e963034e74a902a3e90c45847bbcca.txt @@ -0,0 +1,39 @@ +#### Search & Filter + +Keyword + +Date Range From: + +To: + +Items per page 10 25 50 + +## Search & Filter + +Keyword + +Date Range From: + +To: + +Items per page 10 25 50 + +- Statement + +July 11, 2025 + +## [Statement from Chairman of the Board of Fannie Mae and Freddie Mac William J. Pulte on Reports that Jerome Powell Is Considering Resigning](/news/statement/statement-from-chairman-of-the-board-of-fannie-mae-and-freddie-mac-william-j.-pulte-on-reports-that-jerome-powell-is-considering-resigning) + +Washington, D.C. – “I’m encouraged by reports that Jerome Powell is considering resigning. I think this will be the right decision for America, and the economy will boom.” ### The Federal Housing Finance Agency regulates Fannie Mae, Freddie Mac, and the 11 Federal Home Loan Banks. These government... + - Statement + +September 30, 2024 + +## [Statement of Director Sandra L. Thompson on the Advisory Bulletin to the Federal Home Loan Bank System on Climate Risk](/news/statement/statement-of-director-sandra-l.-thompson-on-the-advisory-bulletin-to-the-federal-home-loan-bank) + +The Federal Housing Finance Agency (FHFA) issued today an Advisory Bulletin to the Federal Home Loan Bank (FHLBank) System, AB 2024-04: FHLBank System Climate-Related Risk Management, following extensive outreach to the System’s members and other relevant stakeholders through the FHLBank System at... + - Statement + +September 10, 2024 + +## [Statement from Director Sandra L. Thompson on Diana Reid’s Appointment as CEO of the Federal Home Loan Mortgage Corporation (Freddie Mac)](/news/statement/statement-from-director-sandra-l.-thompson-on-diana-reids-appointment-as-ceo-of-freddie-mac) diff --git a/chunks/txt/15d343bf793af640065d66611dc68b2aa43213dd1e74cd3fbcfa91717b416507.txt b/chunks/txt/15d343bf793af640065d66611dc68b2aa43213dd1e74cd3fbcfa91717b416507.txt new file mode 100644 index 0000000000000000000000000000000000000000..26c65e736057bf6b7d3dfcef56ecd0c5f74fe2b7 --- /dev/null +++ b/chunks/txt/15d343bf793af640065d66611dc68b2aa43213dd1e74cd3fbcfa91717b416507.txt @@ -0,0 +1,29 @@ +Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K + +Uniform Residential Appraisal Report + +Page 18 of 19 +Page 18 of 19 + +discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must +not be considered as an environmental assessment of the property. + +Certifications + +Appraiser Certifications + +The Appraiser certifies and agrees that: + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. + +2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this +report, or the demographics of the area where the property is located. + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that apply +to the appraiser and to the assignment. + +4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity), +age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present or +prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis prohibited +by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law. diff --git a/chunks/txt/15d8173f8e250354d188ec615367c806cc5d1f8060751f0a8ae91c8d5805b214.txt b/chunks/txt/15d8173f8e250354d188ec615367c806cc5d1f8060751f0a8ae91c8d5805b214.txt new file mode 100644 index 0000000000000000000000000000000000000000..20264b5c0dfdae5b642a080fca9b61d5ce38f7b0 --- /dev/null +++ b/chunks/txt/15d8173f8e250354d188ec615367c806cc5d1f8060751f0a8ae91c8d5805b214.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/supervision/dodd-frank-act-stress-tests" +date_accessed: "2026-01-27T17:54:20.350Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/15e9a4feace515017a52c60c973e8f5bd4b86c9a8d3d35034c08a04d5aa50321.txt b/chunks/txt/15e9a4feace515017a52c60c973e8f5bd4b86c9a8d3d35034c08a04d5aa50321.txt new file mode 100644 index 0000000000000000000000000000000000000000..3c682366957883c2604b6b639e84b65ae14ae878 --- /dev/null +++ b/chunks/txt/15e9a4feace515017a52c60c973e8f5bd4b86c9a8d3d35034c08a04d5aa50321.txt @@ -0,0 +1,40 @@ +Example IV-5. Container Attributes--LoanRoleType + +LoanRoleType = SubjectLoan: Use this value for all instances of the LOAN +container that specifically describe the loan being delivered to the GSE. + +LoanRoleType = RelatedLoan: Use this value for all instances of the LOAN +container that report on loans having some sort of relationship to the +SubjectLoan. Usually, LOAN containers will have a value of RelatedLoan if they +provide information about subordinate liens. + +Notes: Each GSE has a specific implementation of the RelatedLoan, so refer to + +the GSE-specific Implementation Guides for Loan Delivery Data for more +information. + +F. Additions: The EXTENSION Container + +See Section VI. V3.0 Reference Model Features Not Used in the ULDDS. + +G. Container-Specific Concepts: Loan State and Loan Role + +1. Definitions + +The LOAN_STATE container (Child of LOAN) holds two data points—LoanStateType +and LoanStateDate. The values in LoanStateType and LoanStateDate indicate the +point in time for which the other data points within the same Parent LOAN container +are valid. + +Table IV-6 lists the five “snapshots in time” that can be communicated with the +MISMO data point LoanStateType. Along with the value in LoanRoleType, these +data points lend additional meaning to the other data points in the same LOAN +container. The LoanStateDate specifies the “effective” date for the LoanStateType. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 35 of 76 + +Section IV. Using the MISMO V3.0 Reference Model diff --git a/chunks/txt/15f052b7b57215e8c8375d489390ecc5652611ce53d9598d82990591bf2d998f.txt b/chunks/txt/15f052b7b57215e8c8375d489390ecc5652611ce53d9598d82990591bf2d998f.txt new file mode 100644 index 0000000000000000000000000000000000000000..28455c1cf3e3ac52a259e2861000c3f3f12010b7 --- /dev/null +++ b/chunks/txt/15f052b7b57215e8c8375d489390ecc5652611ce53d9598d82990591bf2d998f.txt @@ -0,0 +1,67 @@ +Manufactured Home Exhibits + +All photos or images related to the Manufactured Home section are displayed in the Manufactured Home +Exhibits subsection. If there are no photos or images, this subsection does not display. + +Manufactured Home – Dwellings - Exhibits + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +See +iGuide + +Manufactured +Home Exhibits + +If applicable + +Photos or images + +Definition / Additional Guidance + +Photos or images relevant to the Manufactured Home section may be +provided, which display in Manufactured Home Exhibits. If the photo is not +specifically indicated, provide a caption to further identify the photo. + +Manufactured Homes that are ADUs (Outbuildings) + +If the manufactured home is a standalone ADU, an abbreviated set of information for the Manufactured Home +section displays (after the Outbuilding section for the ADU). Reference Types of Structures for more information +to determine whether the manufactured home is considered a dwelling or outbuilding. + +Appendix F-1: URAR Reference Guide + +Page 121 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +09 Manufactured Home + +Note: Some manufactured home information displays for both dwellings and outbuildings that are ADUs. The +“When to Include” column in this subchapter only references manufactured homes that are outbuildings +(ADUs). +• Structure Type is Outbuilding, Outbuilding Type (12.001) is Manufactured Home, and Units in Structure + +(12.003) is 1 or more + +General Information + +Appendix F-1: URAR Reference Guide + +Page 122 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +09 Manufactured Home diff --git a/chunks/txt/1600cd4e6d0fe85beee1244d3ceb60c2f27b36826416c4cad8a63a795760013a.txt b/chunks/txt/1600cd4e6d0fe85beee1244d3ceb60c2f27b36826416c4cad8a63a795760013a.txt new file mode 100644 index 0000000000000000000000000000000000000000..687caf258f57afe49991043ee9d8114d39e39f77 --- /dev/null +++ b/chunks/txt/1600cd4e6d0fe85beee1244d3ceb60c2f27b36826416c4cad8a63a795760013a.txt @@ -0,0 +1,108 @@ +Additional Supervisory Appraiser Certifications + +Report +Field ID + +Not on +Report + +Report Label + +When to Include + +This is an +appraiser input +that does not +display + +Required when there +is a Supervisory +Appraiser + +Allowable +Answers / Format + +Yes | No + +Definition / Additional Guidance + +Additional Supervisory Appraiser Certifications +Indicates whether there are additional appraiser certifications. + +N/A + +29.061 +29.062 + +Displays when +Additional Supervisory +Appraiser +Certifications is Yes + +Free-form + +Additional Supervisory Appraiser Certification Text +Additional certifications that are required, such as designations. + +Notes: +• + +Additional supervisory appraiser certifications cannot be contrary to, and +should not repeat, the predefined supervisory appraiser certification text. +Any prior services by the Supervisory Appraiser are reported here. + +Signature + +• + +The Signature subsection always displays and repeats for each person (Appraiser and / or Supervisory Appraiser) +who is signing the report. Only Appraisers and Supervisory Appraisers can sign the report. + +Most of the information in this subsection redisplays from Assignment Information. + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +29.063 Appraiser or +Supervisory +Appraiser + +Always displays for +each person signing +the report + +Appraiser or +Supervisory +Appraiser + +Signature + +Definition / Additional Guidance + +Appendix F-1: URAR Reference Guide + +Page 344 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +29 Certifications and Scope of Work + +Signature + +Report +Field ID + +Report Label + +When to Include + +29.065 N/A diff --git a/chunks/txt/160ff98d7b2b9163781fed3ceafb052c3d291040f59f180c7a401b6af724306c.txt b/chunks/txt/160ff98d7b2b9163781fed3ceafb052c3d291040f59f180c7a401b6af724306c.txt new file mode 100644 index 0000000000000000000000000000000000000000..0fd5e4f4aa1ca529d667f7a7cb9d506e0fc9418b --- /dev/null +++ b/chunks/txt/160ff98d7b2b9163781fed3ceafb052c3d291040f59f180c7a401b6af724306c.txt @@ -0,0 +1,171 @@ +8.11 N/A - XML + +…/ESCROW_ITEM/ES +CROW_ITEM_DETAIL + +EscrowCollectedNum +berOfMonthsCount + +2 + +ROF as “for 2 mo.” + +EscrowItemType + +HomeownersInsuran +ce + +@gse:DisplayLabelTe +xt + +Homeowners +Insurance + +ROF as +“Homeowners +Insurance” + +EscrowMonthlyPaym +entAmount + +100.83 + +ROF as “$100.83 per +month” + +IntegratedDisclosure +SectionType + +InitialEscrowPayment +AtClosing + +Not Shown + +8.11.2 Borrower-Paid At +Closing ($) + +8.11.2 Borrower-Paid + +…/ESCROW_ITEM/ES +CROW_ITEM_PAYME +NTS/ESCROW_ITEM_ +PAYMENT + +8.11.2 At Closing + +EscrowItemActualPay +mentAmount + +201.66 + +EscrowItemPayment +PaidByType + +Buyer + +EscrowItemPayment +TimingType + +AtClosing + +Second Instance of ESCROW_ITEM + +ROF as “$201.66” + +ROF as “Borrower- +Paid” + +8.12.1 Mortgage Insurance + +($ per month for # +mo.) + +…/ESCROW_ITEM/ES +CROW_ITEM_DETAIL + +EscrowCollectedNum +berOfMonthsCount + +2 + +ROF as “for 2 mo.” + +8.12 + +UID +8.821 + +8.12.1 + +Mortgage Insurance + +Mortgage Insurance +($ per month for # +mo.) + +8.12 N/A-XML + +8.12.2 Borrower-Paid At +Closing ($) + +8.12.2 Borrower-Paid + +…/ESCROW_ITEM/ES +CROW_ITEM_PAYME +NTS/ESCROW_ITEM_ +PAYMENT + +EscrowItemType + +MortgageInsurance + +@gse:DisplayLabelTe +xt + +Mortgage Insurance ROF as “Mortgage + +Insurance” + +EscrowMonthlyPaym +entAmount + +109.00 + +ROF as “$109.00 per +month” + +IntegratedDisclosure +SectionType + +InitialEscrowPayment +AtClosing + +EscrowItemActualPay +mentAmount + +218.00 + +Not Shown – ties +associated +EscrowItemType to +this category of +Other Costs table + +ROF as “$218.00” + +EscrowItemPayment +PaidByType + +Buyer + +ROF as “Borrower- +Paid” + +8.12.2 At Closing + +EscrowItemPayment +TimingType + +AtClosing + +Appendix E: UCD Implementation Guide diff --git a/chunks/txt/162347cf2346a46f49907ff65c2d446149f042c10339bc860c3cef7b4c5a0bf3.txt b/chunks/txt/162347cf2346a46f49907ff65c2d446149f042c10339bc860c3cef7b4c5a0bf3.txt new file mode 100644 index 0000000000000000000000000000000000000000..9fdcd276ed6fe0ff92457f28ea837855865c4eab --- /dev/null +++ b/chunks/txt/162347cf2346a46f49907ff65c2d446149f042c10339bc860c3cef7b4c5a0bf3.txt @@ -0,0 +1,101 @@ +Example of Significant Real Property Appraisal Assistance + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Appraiser Certifications: Cert 21 (Significant Real Property Appraisal Assistance) + +29.041 … No one +provided +significant real +property … + +29.041 … [Contact + +Name(s)] +provided +significant real +property … + +29.042 … [Contact + +Name(s)] +provided +significant real +property … + +Predefined text that +displays when there is +no significant real +property appraisal +assistance + +Predefined text that +displays when there is +significant real +property appraisal +assistance + +Predefined text that +displays when there is +no significant real +property appraisal +assistance + +Free-form + +Contact Name(s) +The name(s) of the person(s) who provided significant real property appraisal +assistance. +Redisplays from 2.047. + +Appendix F-1: URAR Reference Guide + +Page 342 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +29 Certifications and Scope of Work + +Cert 29 (Prior Services) + +The predefined text for Cert 29 varies depending on whether the appraiser has performed prior services for the +subject property in the past 3 years. + +Example of Prior Services Performed + +Appraiser Certifications: Cert 29 (Prior Services) + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +29.050 This is an + +Always required + +Yes | No + +Definition / Additional Guidance + +Appraiser Prior Services Performed +Indicates whether the appraiser has performed prior services for the subject +property in the past 3 years. Determines which predefined version of Cert 29 +displays. diff --git a/chunks/txt/162d83336d3b623e0be775abed95bd4aa623923b11ed830d42abff70fa6ec038.txt b/chunks/txt/162d83336d3b623e0be775abed95bd4aa623923b11ed830d42abff70fa6ec038.txt new file mode 100644 index 0000000000000000000000000000000000000000..0ddcdb18a27527b87c2d5220377869e821ba4aeb --- /dev/null +++ b/chunks/txt/162d83336d3b623e0be775abed95bd4aa623923b11ed830d42abff70fa6ec038.txt @@ -0,0 +1,142 @@ +26 + +27 + +28 + +29 + +30 + +31 + +32 + +33 + +34 + +35 + +36 + +37 + +38 + +SUBJECT + +HOA $ + +Project Per Unit +Fee Amount + +The amount charged to each unit by the +project management. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/_PER_UNIT_FEE/@_Am +ount + +SUBJECT + +HOA $ +per year + +Project Per Unit +Fee Period Type + +Specifies the period about which the fees +per unit apply. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/_PER_UNIT_FEE[@_Peri +odType=‘Annually’] + +SUBJECT + +HOA $ +per month + +Project Per Unit +Fee Period Type + +Specifies the period about which the fees +per unit apply. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/_PER_UNIT_FEE[@_Peri +odType=‘Monthly’] + +SUBJECT + +Property Rights Appraised +Fee Simple + +Property Rights +Type + +Specifies the intended property ownership +rights for the property. + +/VALUATION_RESPONSE/PROPERTY[@_RightsType=‘FeeSimple’] + +SUBJECT + +Property Rights Appraised +Leasehold + +Property Rights +Type + +Specifies the intended property ownership +rights for the property. + +/VALUATION_RESPONSE/PROPERTY[@_RightsType=‘Leasehold’] + +SUBJECT + +Property Rights Appraised +Other + +Property Rights +Type + +Specifies the intended property ownership +rights for the property. + +/VALUATION_RESPONSE/PROPERTY[@_RightsType=‘Other’] + +9 + +8 + +8 + +9 + +9 + +9 + +Money + +UAD Requirement - Refer to Appendix D Subject Section +Whole dollars only. If there are no mandatory HOA fees applicable to the subject +property, appraiser must enter zero (0) in this data field. + +Enumerated + +UAD Requirement - Refer to Appendix D Subject Section + +Enumerated + +UAD Requirement - Refer to Appendix D Subject Section + +Enumerated + +Enumerated + +Enumerated + +SUBJECT + +Property Rights Appraised +Other (describe) diff --git a/chunks/txt/162ed8218b174b5a6dad0a37f9f42ac034b437b09a1bf62fffed9b379d86db2d.txt b/chunks/txt/162ed8218b174b5a6dad0a37f9f42ac034b437b09a1bf62fffed9b379d86db2d.txt new file mode 100644 index 0000000000000000000000000000000000000000..ee02761a1127f15537da70de41cdb2722c372a80 --- /dev/null +++ b/chunks/txt/162ed8218b174b5a6dad0a37f9f42ac034b437b09a1bf62fffed9b379d86db2d.txt @@ -0,0 +1,92 @@ +The entity that funds the mortgage loan for the property. +Notes: +• +• + +Always select this answer when there is a lender on the transaction. +For FHA, USDA, and VA appraisals, reference the appropriate government agency appraisal guidelines. + +Select Other to enter an answer that is not in the above list. +Note: Only select this answer when the client does not match any of the available selections. The Client Role can be +associated to a selection of Other. + +Appendix F-1: URAR Reference Guide + +Page 37 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +02 Assignment Information + +Company Name and Address + +Assignment Information: Contact Information - Lender, Client, and AMC – Company Name and Address + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +2.012 + +Company Name Always required for + +Free-form + +Definition / Additional Guidance + +For FHA, USDA, and VA appraisals, refer to the appropriate government agency +appraisal guidelines. + +Free-form + +For FHA, USDA, and VA appraisals, refer to the appropriate government agency +appraisal guidelines. + +the Lender, Client, or +AMC + +Always required for +the Lender, Client, or +AMC + +2.013 + +Company +Address + +AMC Credentials + +AMC licensing information must be provided when required by the jurisdiction in which the subject property is +located. If the client is not an AMC, or if not provided, this information does not display in this subsection. + +Assignment Information: Contact Information – AMC Credentials + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +2.014 + +ID + +If applicable + +Free-form + +2.015 + +State diff --git a/chunks/txt/16363862e60d64306330f7b1328af46ec52a86634f15a5dc67cd71969508966d.txt b/chunks/txt/16363862e60d64306330f7b1328af46ec52a86634f15a5dc67cd71969508966d.txt new file mode 100644 index 0000000000000000000000000000000000000000..699dc2e3249e3116ca43295ce2041204b7720bed --- /dev/null +++ b/chunks/txt/16363862e60d64306330f7b1328af46ec52a86634f15a5dc67cd71969508966d.txt @@ -0,0 +1,109 @@ +Unit Interior: Occupancy and Utilities + +Report +Field ID + +Report Label + +When to Include + +10.020 Occupancy + +Always required + +10.021 Utilities + +Separately +Metered + +Required for +properties with more +than one unit, and +properties with ADU(s) + +10.022 Utilities + +Operating + +Required for FHA and +USDA appraisals when +Occupancy is Vacant + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Yes | No + +Definition / Additional Guidance + +The occupancy status of the unit as of the inspection date. +• +• +• + +Owner +Tenant +Vacant + +Indicates whether any utilities are metered separately from other unit(s) on the +property. +• +• +Note: If some utilities are shared, answer Yes and describe in Unit Interior +Commentary (10.061). + +Yes (one or more utilities are separately metered) +No (all utilities are shared) + +Yes | No + +Indicates whether all utilities are operating or functional. + +Reference the appropriate government agency appraisal guidelines for more +information. + +Appendix F-1: URAR Reference Guide + +Page 130 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +10 Unit Interior + +Bedroom and Bathroom Counts + +Unit Interior: Bedroom and Bathroom Counts + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +10.023 Total Bedrooms Always required + +Number + +Definition / Additional Guidance + +The total number of bedrooms in the unit, including above and below grade. +Notes: +• +• + +Can be zero for an efficiency or studio. +Reference published guidelines by the GSEs, government agencies, or +other identified secondary market participants for specific guidance. diff --git a/chunks/txt/163e64bcd1765a1851d1324709321f8fc099f18aeb799d7afa98f8d03df1918e.txt b/chunks/txt/163e64bcd1765a1851d1324709321f8fc099f18aeb799d7afa98f8d03df1918e.txt new file mode 100644 index 0000000000000000000000000000000000000000..e832d967a53761f0592a14cb9b2d688d161d926f --- /dev/null +++ b/chunks/txt/163e64bcd1765a1851d1324709321f8fc099f18aeb799d7afa98f8d03df1918e.txt @@ -0,0 +1,109 @@ +2 + +Uniform Residential Appraisal Report (Desktop) +The purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property. + +4 4a + +File # 3 + +7 + +10 + +City + +Owner of Public Record + +Property Address 6 +Borrower +Legal Description 13 +Assessor’s Parcel # 14 +Neighborhood Name +Occupant Owner Tenant Vacant +21 +Property Rights Appraised Fee Simple Leasehold +28 +Assignment Type Purchase Transaction Refinance Transaction Other (describe) 35 +Lender/Client 36 +Is the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? Yes No +Report data source(s) used, offering price(s), and date(s). e-2; 40 + +Tax Year +Map Reference + +R.E. Taxes $ +Census Tract + +Special Assessments $ 23 + +Other (describe) 31 +30 + +State 8 +County + +18 + PUD +24 + +34 +Address + +HOA $ 25 + +Zip Code + +29 +33 + +17 + +15 + +12 + +37 + +11 + +39 + +38 + +20 + +32 + +22 + +16 + 19 + per year per month +26 + +27 + +9 + +41 + +I did did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not +42 +performed. e-3; 43 + +Contract Price $ 44 +Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? Yes No +If Yes, report the total dollar amount and describe the items to be paid. 51a; e-4; 51b + +Is the property seller the owner of public record? Yes No Data Source(s) 48 + +Date of Contract + +45 + +47 + +46 + +49 diff --git a/chunks/txt/164493145fbc0960b710c3cb43792db750ec8f49a072a900cd72553ca28f4b15.txt b/chunks/txt/164493145fbc0960b710c3cb43792db750ec8f49a072a900cd72553ca28f4b15.txt new file mode 100644 index 0000000000000000000000000000000000000000..e6aa8081a47bb1b849fce7c04e00ccb797ab7177 --- /dev/null +++ b/chunks/txt/164493145fbc0960b710c3cb43792db750ec8f49a072a900cd72553ca28f4b15.txt @@ -0,0 +1,129 @@ +Notes: +• + +• + +If there are multiple units or ADUs, Unit Identifier cannot be +repeated. For 2-4 unit properties, units would be identified as Unit +1, Unit 2, etc. +Unit Identifier is required but does not display in the sales grid for +comparables with ADUs. + +Always required for +each unit in the +comparable + +Yes | No + +Unit Interior +• + +Unit is an ADU +10.011 + +No + +Unit is an ADU: Indicates whether the unit is considered an accessory +dwelling unit. + +Required if Unit is an +ADU is Yes + +Dwelling or +Outbuilding + +• + +Structure Type Not +on Report + +Yes +22.07.19 + +Structure Type: The type of structure that contains the ADU. +• +If the ADU is in a dwelling, “Dwelling” displays. + +Required if Unit is an +ADU is Yes, and the +ADU is in an +outbuilding + +Choose an +allowable answer +from 10.000 + +Unit Interior +• + +Outbuilding Type +10.000 + +Yes +22.07.19 + +Outbuilding Type: The type of outbuilding that contains the ADU. +• + +If the ADU is in an outbuilding, Outbuilding Type displays. + +22.07.03 +22.07.20 + +Floor Number + +If relevant + +Required when the +row is included in the +sales comparison grid + +Free-form + +Unit Interior +• + +Floor Number +10.018 + +Yes +22.07.21 + +The building floor number where the entrance to the unit is located. +Examples: 1, 2, B1, B2, Penthouse + +Appendix F-1: URAR Reference Guide + +Page 247 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Unit(s) + +Yes | No + +Unit Interior +• diff --git a/chunks/txt/1652a6958bdd515fd9fb9293841cab158524d212b3f606b269d8fc7359013546.txt b/chunks/txt/1652a6958bdd515fd9fb9293841cab158524d212b3f606b269d8fc7359013546.txt new file mode 100644 index 0000000000000000000000000000000000000000..a24fbef68bf10710da08d3122c2f9eeb8b5535c0 --- /dev/null +++ b/chunks/txt/1652a6958bdd515fd9fb9293841cab158524d212b3f606b269d8fc7359013546.txt @@ -0,0 +1,47 @@ +Freddie Mac + +Data Fields Specific to the Completion Report + +Field Name + +Definition / Description + +Original Effective Date of +Appraisal + +The date of when the appraiser’s analyses, opinions, and +conclusions regarding the property’s values apply (i.e., are +effective) on the original URAR, i.e. the effective date of the URAR +that is associated with the Completion Report. + +*Fannie Mae (FNM); Freddie Mac (FRE) + +Appears on +[FNM, FRE, Both] * +Both + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. + +Examples of Document Level Results for All Report Types – Fannie Mae + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. + +Examples of Document Level Results for All Report Types – Fannie Mae + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. + +Example of Document Level Results for All Report Types – Freddie Mac + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. diff --git a/chunks/txt/1657a72306414eb82dc3a43b71f9e95ccd547879fb952de7e33ea2b16c2483b9.txt b/chunks/txt/1657a72306414eb82dc3a43b71f9e95ccd547879fb952de7e33ea2b16c2483b9.txt new file mode 100644 index 0000000000000000000000000000000000000000..bf14fa8607ac7fe30448f74c0d0ba7ac49d5e603 --- /dev/null +++ b/chunks/txt/1657a72306414eb82dc3a43b71f9e95ccd547879fb952de7e33ea2b16c2483b9.txt @@ -0,0 +1,104 @@ +10 + +10 + +10 + +10 + +10 + +16 + +16 + +16 + +7 + +7 + +7 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +Enumerated + +UAD Requirement - Refer to Appendix D Neighborhood Section + +Enumerated + +UAD Requirement - Refer to Appendix D Neighborhood Section + +Enumerated + +UAD Requirement - Refer to Appendix D Neighborhood Section + +Enumerated + +UAD Requirement - Refer to Appendix D Neighborhood Section + +Enumerated + +UAD Requirement - Refer to Appendix D Neighborhood Section + +Enumerated + +UAD Requirement - Refer to Appendix D Neighborhood Section + +Enumerated + +UAD Requirement - Refer to Appendix D Neighborhood Section + +Enumerated + +UAD Requirement - Refer to Appendix D Neighborhood Section + +One and only one of fields 1-62, 1-63, +1-64 (values of Neighborhood Property +Value Trend Type) must be indicated. +One and only one of fields 1-62, 1-63, +1-64 (values of Neighborhood Property +Value Trend Type) must be indicated. +One and only one of fields 1-65, 1-66, +1-67 (values of Neighborhood Demand +and Supply Type) must be indicated. +One and only one of fields 1-65, 1-66, +1-67 (values of Neighborhood Demand +and Supply Type) must be indicated. +One and only one of fields 1-65, 1-66, +1-67 (values of Neighborhood Demand +and Supply Type) must be indicated. + +One and only one of fields 1-68, 1-69, +1-70 (values of Neighborhood Typical +Marketing Time Duration Type) must +be indicated. + +One and only one of fields 1-68, 1-69, +1-70 (values of Neighborhood Typical +Marketing Time Duration Type) must +be indicated. + +One and only one of fields 1-68, 1-69, +1-70 (values of Neighborhood Typical +Marketing Time Duration Type) must +be indicated. + +Money + +Whole dollars only. diff --git a/chunks/txt/1659e702ff155384b8b7f93f3f4d51a6b3128e8e42bfbb6c6d0c97aaa68348ff.txt b/chunks/txt/1659e702ff155384b8b7f93f3f4d51a6b3128e8e42bfbb6c6d0c97aaa68348ff.txt new file mode 100644 index 0000000000000000000000000000000000000000..d88b1090a979a04164a935dbf88cc290ff7213bb --- /dev/null +++ b/chunks/txt/1659e702ff155384b8b7f93f3f4d51a6b3128e8e42bfbb6c6d0c97aaa68348ff.txt @@ -0,0 +1,153 @@ +Was a Property Data Report used in lieu of an +Inspection? + +Appraiser Fee +AMC Fee + +$0 +$0 + +Yes No +  + +STET + +“lieu” l.c. + +Credentials + +ID +State +Expires + +Credentials + +Level +ID +State +Expires + +ABCD1234 +TX +12/31/2024 + +Certified Residential +1234ABCD +TX +12/31/2024 + +Attachment Type +Units Excluding ADUs +Accessory Dwelling Units +Dwellings Containing Units +Special Tax Assessments + +Detached +4 +0 +1 +No + +Assignment Information + +Assignment Reason +Borrower Name +Current Owner of Public Record + +Refinance +John Seller +John Seller + +Contact Information + +Client/Lender + +Company Name +Company Address + +Appraisal Management Company + +Company Name + +Company Address + +Appraiser + +Name +Company Name +Company Address + +Big Bank of Texas +712 Tex Bank Dr +Anyplace, TX 01234 + +IDK Appraisal Management +Company +1515 Ranch St +Anyplace, TX 01234 + +John P. Appraiser +XYZ Appraisal Company +1621 Cattle Drive Ln +Anyplace, TX 01234 + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +Physical +Physical +05/01/2023 + +Subject Property + +Physical Address + +County +Neighborhood Name + +171 Cowboy Ln +Anyplace, TX 01234 +Cowboy +Bighorn Ranch + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Property on Native American Lands +Subject Site Owned in Common +Homeowner Responsible for all Exterior Maintenance +of Dwelling(s) +New Construction + +Yes No +  +  +  +  +  +  +  + +  + +Ownership Rights + +Property Rights Appraised + +Fee Simple + +All Rights Included in Appraisal + +Yes + +Legal Description + +Lot 2 Block A Bighorn Ranch + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/165ee457add78e47e126021da3e9d39f0b832d976b8451c33219864b6ea1191e.txt b/chunks/txt/165ee457add78e47e126021da3e9d39f0b832d976b8451c33219864b6ea1191e.txt new file mode 100644 index 0000000000000000000000000000000000000000..054234df76cf821c4355b80e79f365c82114e28e --- /dev/null +++ b/chunks/txt/165ee457add78e47e126021da3e9d39f0b832d976b8451c33219864b6ea1191e.txt @@ -0,0 +1,79 @@ +23.03.08 + +23.03.09 + +23.03.10 + +23.03.11 + +23.03.12 +23.03.13 + +23.03.14 + +23.03.15 + +23.03.16 + +23.03.17 +23.03.18 +23.03.20 + +23.03.21 + +23.03.22 + +23.03.23 + +23.03.25 + +23.03.26 + +23.03.27 + +23.03.28 + +23.03.29 + +23.03.30 + +23.03.31 + +23.03.32 + +23.03.33 + +23.03.34 + +23.03.35 + +23.03.36 +23.03.37 + +23.03.38 + +23.03.39 + +23.03.40 + +23.03.41 + +23.03.42 + +23.03.43 + +23.03.44 +23.03.45 + +23.03.46 + +23.03.47 + +23.03.48 + +23.03.19 + +(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1) +(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21) + +23.04.01 diff --git a/chunks/txt/166afb5cbc80cf7cb7e6d32715a53584b2ecf2c5d1512086cfd21fa3093b36b2.txt b/chunks/txt/166afb5cbc80cf7cb7e6d32715a53584b2ecf2c5d1512086cfd21fa3093b36b2.txt new file mode 100644 index 0000000000000000000000000000000000000000..8854a3340770dbf5c5320dfe0a96ff125bbb2e93 --- /dev/null +++ b/chunks/txt/166afb5cbc80cf7cb7e6d32715a53584b2ecf2c5d1512086cfd21fa3093b36b2.txt @@ -0,0 +1,120 @@ +Yes | No + +Contract Date Unknown +is only applicable to +comparables + +Yes +22.01.31 + +Contract Date Unknown +• + +Yes (the comp has been included in the sales grid, but the contract +date is unknown. In this case, “Unknown” displays) +No (Contract Date must be provided) + +• + +22.01.06 +22.01.30 + +Contract Date Always + +Required if Contract +Date Unknown is No + +mm/dd/yyyy + +22.01.32 + +Sale Date + +Always + +Required if Listing +Status is Settled Sale + +mm/dd/yyyy + +22.01.07 +22.01.34 + +Days on +Market + +Always + +Always required + +Number + +Sales Contract +• + +Contract Date +20.005 + +Sale Date is only +applicable to +comparables + +Subject Listing +Information +• + +Days on Market +19.007 for the +most recent listing + +Yes +22.01.31 + +Contract Date: The date that a fully executed contract was signed by all +parties. + +Note: If Contract Date is known, use this row to make time adjustments +based on changes in the market. + +Yes +22.01.33 + +Note: If Contract Date is unknown, use this row to make time adjustments +based on changes in the market. + +No + +Days on Market for the most recent listing. +Notes: +• + +Enter zero (0) for properties that were not listed on the open market +through a publicly available source (e.g., Listing Type is FSBO (For +Sale by Owner)). +Enter 1 for properties that were listed on the market and placed +under contract on the same day. +For all other scenarios, enter the actual days on market that apply to +the listing. + +• + +• + +22.01.35 + +Sale to List +Price Ratio + +If relevant + +Required if Listing +Status is not Settled +Sale, and the row is +included in the sales +comparison grid + +Percent + +Sale to List Price Ratio is +only applicable to +comparables diff --git a/chunks/txt/1678e9e27eeee181590cdf75a8b5d1fbe928440dc41d49ea38fcf8cd5a395d91.txt b/chunks/txt/1678e9e27eeee181590cdf75a8b5d1fbe928440dc41d49ea38fcf8cd5a395d91.txt new file mode 100644 index 0000000000000000000000000000000000000000..00bb9c29202fadea0683c763c7e14fda7f07d030 --- /dev/null +++ b/chunks/txt/1678e9e27eeee181590cdf75a8b5d1fbe928440dc41d49ea38fcf8cd5a395d91.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/13751","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. 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Weighting + +In the UAD Appraisal-Level PUF, the data field “weight” represents the inverse probability of selecting +the appraisal record for a given year. Because FHFA used the same sampling rate (5 percent) across all +years, all UAD Appraisal-Level PUF appraisal records will have the same value (20) for the weight data +field. + +Users must utilize the weight data field to produce accurate appraisal counts and variance estimates. +However, users do not need to utilize the weight data field for other types of estimates such as means, +medians, or percentages. Users may want to include the weight in regression analyses but may also +choose not to. + +5c. Variance Estimation + +Due to the simplicity of the stratified simple random sample design, users can estimate variances using +standard formulas without the need to consider the sample design. In certain circumstances, users may +wish to incorporate strata into their variance estimation. For those circumstances, the table in Section 4a +provides population totals for each stratum. + +6. Geography in the UAD Appraisal-Level PUF + +The UAD Appraisal-Level PUF includes state, county, and census tract, subject to the disclosure +avoidance techniques described in Section 4f. This combination of geographic indicators allows users to +create estimates for other types of geographic areas, including Census Divisions and Core Based +Statistical Areas (CBSAs). + +As noted in Section 2, the Enterprise UAD Appraisal-Level PUF includes a sample of appraisal records +from 2013 through 2022. For years of data from 2013 to 2021, the PUF records include state, county, and +census tract boundaries from the 2010 census vintage. For year 2022, the PUF records switch to the 2020 +census vintage of state, county, and census tract boundaries. Similarly, the FHA Appraisal-level PUF +includes a sample of appraisal records from 2017 through 2021 with geographic boundaries from the +2010 Census vintage. For the year 2022 records, the 2020 census vintage geographic boundaries are +used. diff --git a/chunks/txt/169f2d2558177339169141c1c9c3b70cfa4d041d0ad711df8fa173289c3aba2e.txt b/chunks/txt/169f2d2558177339169141c1c9c3b70cfa4d041d0ad711df8fa173289c3aba2e.txt new file mode 100644 index 0000000000000000000000000000000000000000..e50ae1d61a2354f1fc6da34000ef254314120961 --- /dev/null +++ b/chunks/txt/169f2d2558177339169141c1c9c3b70cfa4d041d0ad711df8fa173289c3aba2e.txt @@ -0,0 +1,94 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix B-3: Completion Report Implementation Guide +Document Version 1.3 +June 10, 2025 + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency. +©2025 Freddie Mac and Fannie Mae. Trademarks of the respective owners + +Page 2 + +Revision History + +Date + +Version + +Change # + +iGuide Chapter + +Revision Description + +06/10/2025 + +1.3 + +2025-002 + +02 Original Appraisal + +2025-040 + +07 Completion Report +Exhibits + +Removed ValuationReconciliationConditionsCommentDescription from the table, +which should have been removed under 2024-021 +Updated the ImageCaptionCommentDescription Unique ID from 1400.1012 to +4000.1001 due to an overlap with the URAR Unique ID. + +2024-028 Header and Footer + +Updated DocumentFormIssuingEntityVersionIdentifier + +2024-044 Header and Footer + +Added information for allowing additional text in the footer + +09/17/2024 + +1.2 + +2024-021 + +02 Original Appraisal + +Removed two enumerations from PropertyValuationConditionalConclusionType (UID: +2800.0002, FID: 02.003) and removed +ValuationReconciliationConditionsCommentDescription (UID: 2800.0047, FID: 02.007) + +2024-019 + +05 Completion Status + +Updated snippet for Figure 5 - 03 + +2023-003 + +09 Certifications and +Scope of Work + +Updated Supervisory Appraiser Certs + +12/12/2023 + +1.1 + +2023-061 Header and Footer + +Updated DocumentFormIssuingEntityVersionIdentifier + +03/29/2023 + +1.0 + +Initial Publication + +Page 3 + +Table of Contents + +Revision History ............................................................................................................................................................................................................... 2 diff --git a/chunks/txt/16a287e87c2309a028a2de519947003d096c0cf884c4024dd5c9c32f2c7eabe3.txt b/chunks/txt/16a287e87c2309a028a2de519947003d096c0cf884c4024dd5c9c32f2c7eabe3.txt new file mode 100644 index 0000000000000000000000000000000000000000..95d0d96d8854504a93a8d6f9a4223c1b0fddb606 --- /dev/null +++ b/chunks/txt/16a287e87c2309a028a2de519947003d096c0cf884c4024dd5c9c32f2c7eabe3.txt @@ -0,0 +1,105 @@ +• + +10.033 Room Summary Always displays for + +Number + +Number of Rooms: The count of each Room Type on the level. + +each indicated Room +Type + +10.033 Room Summary Required for each level + +in the unit if any part +of the level is finished + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Bath – Half +Bath – Full +Bedroom +Breakfast Room +Den +Dining Room +Family Room +Kitchen +Laundry Room +Living Room +Loft + +Room Type: The original design of the room(s) that are on the indicated level. +• +• +• +• +• +• +• +• +• +• +• +• Media Room +• Mudroom +• +• +• +• Walk-In Pantry +• Workshop +• +Notes: +• + +Recreation Room +Sunroom +Utility Room + +Select the most applicable Room Type that fits the description of the +room. Examples: + +Other (Describe) + +o +o + +Select Dining Room for dining areas. +Select Breakfast Room for breakfast areas or breakfast nooks. + +• + +• + +Photo(s) may be provided of the room(s), which would display in Unit +Interior Exhibits with the Level and Room Type. An additional caption +must be provided including the location, and any other descriptive +information as appropriate. Examples: Bath 2, Hall bathroom, Main +bedroom. +Reference published guidelines by the GSEs, government agencies, or +other identified secondary market participants for specific photo +requirements. + +Appendix F-1: URAR Reference Guide + +Page 133 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +10 Unit Interior + +Allowable Answer + +Definition / Additional Guidance + +Above Grade + +At or above ground level with the walls having minimal or no earth contact. + +Grade Level Type (Choose one for each level in the unit) diff --git a/chunks/txt/16a90b7dcc339be4ce8e97e97edf7474eeb5f10ae524bc3000c0ec51d71b4b15.txt b/chunks/txt/16a90b7dcc339be4ce8e97e97edf7474eeb5f10ae524bc3000c0ec51d71b4b15.txt new file mode 100644 index 0000000000000000000000000000000000000000..7a83b5e27db699505b631b87977223abd1fbab2c --- /dev/null +++ b/chunks/txt/16a90b7dcc339be4ce8e97e97edf7474eeb5f10ae524bc3000c0ec51d71b4b15.txt @@ -0,0 +1,45 @@ +The kitchen or bathroom has a level of modernization with some replaced, refinished, or refurbished components but does +not rise to the level of total replacement. + +The kitchen or bathroom has had no modernization and has not experienced any renovation, refinishing, or remodeling +since the original date of construction or within a timeframe that renders the update’s impact negligible. + +Allowable Answer + +New or Like New + +Room Condition Status (Choose one for each kitchen or bathroom) + +Definition / Additional Guidance + +The kitchen or bathroom is new or like new with no visible signs of use. +Note: This would be the typical answer when New Construction (3.017) is Yes. + +Typical Wear and Tear + +The kitchen or bathroom is fully functional and exhibits minimal wear and tear, with visible signs of use. + +Damaged and Functional + +The kitchen or bathroom is damaged and exhibits moderate wear and tear but can still function as intended or designed. + +Damaged and Nonfunctional The kitchen or bathroom is damaged and exhibits significant wear and tear to the level that it can no longer function as + +intended or designed. +Note: If this answer is selected, individual damages and structural issues must be reported in the Apparent Defects, +Damages, and Deficiencies (Unit Interior) subsection. + +Appendix F-1: URAR Reference Guide + +Page 137 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +10 Unit Interior + +Overall Update Status for Bathrooms + +The appraiser must identify the overall update status for all bathrooms in the unit. This information is displayed +in the Sales Comparison Approach section if relevant. diff --git a/chunks/txt/16af7537bb6f9924d6c4b056e1020bdf62eacb708907445f0e620412d3683833.txt b/chunks/txt/16af7537bb6f9924d6c4b056e1020bdf62eacb708907445f0e620412d3683833.txt new file mode 100644 index 0000000000000000000000000000000000000000..11575d6c5c7899b66b137866501f3b0a721decb7 --- /dev/null +++ b/chunks/txt/16af7537bb6f9924d6c4b056e1020bdf62eacb708907445f0e620412d3683833.txt @@ -0,0 +1,5 @@ +Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP + +Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + +[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/13486&order=field_release_date&sort=asc) Report Attachment September 30, 2025 [FHFA 2025 AI Compliance Plan](/reports/fhfa-ai-compliance-plan/2025) [Read Report](/document/FHFA-2025-AI-Compliance-Plan.pdf) September 24, 2024 [FHFA 2024 AI Compliance Plan](/reports/fhfa-ai-compliance-plan/2024) [Read Report](/document/fhfa-2024-ai-compliance-plan) diff --git a/chunks/txt/16b1cef69befb32ebd7d29220ff49f556c2705b20d4f4485ad7cdb399dfa3295.txt b/chunks/txt/16b1cef69befb32ebd7d29220ff49f556c2705b20d4f4485ad7cdb399dfa3295.txt new file mode 100644 index 0000000000000000000000000000000000000000..44c3a9c3fd61dbb90e9f12dda1f03b1e8ed80ceb --- /dev/null +++ b/chunks/txt/16b1cef69befb32ebd7d29220ff49f556c2705b20d4f4485ad7cdb399dfa3295.txt @@ -0,0 +1,27 @@ +December 20, 2024 + +## [Estimating the Impact of Hurricanes Helene and Milton on Single-Family Mortgages](/blog/insights/estimating-the-impact-of-hurricanes-helene-and-milton-on-single-family-mortgages) + +In the aftermath of the destruction spanning North Carolina to Florida following Hurricanes Helene and Milton in late September and early October, many residents of this region face a long road to recovery. The Federal Housing Finance Agency (FHFA) today published a dashboard with data on single... + - FHFA Statistics + +December 20, 2024 + +## [Enterprise Multifamily Focus in 2022 and 2023](/blog/statistics/enterprise-multifamily-focus-in-2022-and-2023) + +Summary Statistics From FHFA’s Multifamily Public Use Databases In 2022 and 2023, Fannie Mae and Freddie Mac (the Enterprises) financed more multifamily properties in the Northeast, Florida, Texas, and California than elsewhere in the contiguous United States. The Enterprises’ financing of... + - FHFA Insights + +December 9, 2024 + +## [FHFA’s Fall 2024 Econ Summit on Climate Risk](/blog/insights/fhfas-fall-2024-econ-summit-on-climate-risk) + +The Federal Housing Finance Agency (FHFA) hosted over 300 stakeholders from government, industry, and academia at its third annual Econ Summit on Climate Risk on November 12, 2024. In her opening remarks, Director Sandra L. Thompson emphasized that climate change poses a serious threat to the safety... + - FHFA Insights + +December 9, 2024 + +## [Energy Transition Risk in the Housing Market](/blog/insights/energy-transition-risk-in-the-housing-market) + +This blog post examines energy transition risk in the housing market and its potential impacts on the housing market’s energy sustainability efforts. Energy transition risk can be defined as risk related to the process of adjustment towards a low-carbon economy. [1] As society moves away from carbon... + - FHFA Insights diff --git a/chunks/txt/16bb71818b28d9f534a30a4775ecb66692943e5402c588137b19d72ed4c10fcc.txt b/chunks/txt/16bb71818b28d9f534a30a4775ecb66692943e5402c588137b19d72ed4c10fcc.txt new file mode 100644 index 0000000000000000000000000000000000000000..0ac36f2bfda85431b0427ea118a5c46efeebb4f3 --- /dev/null +++ b/chunks/txt/16bb71818b28d9f534a30a4775ecb66692943e5402c588137b19d72ed4c10fcc.txt @@ -0,0 +1,224 @@ +If field 1-109 (Site Utility Non Public +Indicator) is indicated, this field is +required. If no utilities are present +'None' must be populated. + +If utilities are present, at least one of +fields 1-111, 1-112 (Site Utility Public +Indicator = 'Y' or Site Utility Non +Public Indicator = 'Y') must be +indicated. If no utilities are present +'None' must be populated in field 1-113 +(Site Utility Non Public Description). + +If utilities are present, at least one of +fields 1-111, 1-112 (Site Utility Public +Indicator = 'Y' or Site Utility Non +Public Indicator = 'Y') must be +indicated. If no utilities are present +'None' must be populated in field 1-113 +(Site Utility Non Public Description). + +If field 1-112 (Site Utility Non Public +Indicator) is indicated, this field is +required. If no utilities are present +'None' must be populated. + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +112 + +113 + +114 + +115 + +116 + +117 + +118 + +119 + +120 + +121 + +122 + +123 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 89 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +124 + +125 + +1 + +1 + +118 + +PROJECT SITE + +119 + +PROJECT SITE + +Alley +Public + +Alley +Private + +Property Off Site +Improvement +Exists Indicator diff --git a/chunks/txt/16c4ba2b30f56450e88e8f3ca9d95a045397a1833f06404388d97fa37987c071.txt b/chunks/txt/16c4ba2b30f56450e88e8f3ca9d95a045397a1833f06404388d97fa37987c071.txt new file mode 100644 index 0000000000000000000000000000000000000000..4e44570d09b280d8e31d05181810ef7c74a43fc5 --- /dev/null +++ b/chunks/txt/16c4ba2b30f56450e88e8f3ca9d95a045397a1833f06404388d97fa37987c071.txt @@ -0,0 +1,112 @@ +To better align with the business rules and intent of the message, several messages will be assigned to a different message +category and moved to a new location within the DU Underwriting Findings report. + +Integrated Systems that parse the following DU message identifiers, message category type codes and related message text will +need to be updated to support these changes. + +This change will apply to all loans submitted or resubmitted on or after April 18, 2021. DU XML +Codified Findings - Data Mapping + +Parent Element + +MessageIdentifier + +Current MessageCategoryTypeCode + +Updated MessageCategoryTypeCode + +CasefileMessages +Messages + +CasefileMessages +Messages + +CasefileMessages +Messages + +CasefileMessages +Messages + +CasefileMessages +Messages + +2849 + +2931 + +3299 + +3301 + +3303 + +1 = RISK ASSESSMENT + +6 = REQUIRED FUNDS + +1 = RISK ASSESSMENT + +6 = REQUIRED FUNDS + +5 = EMPLOYMENT/ INCOME + +1 = RISK ASSESSMENT + +5 = EMPLOYMENT/ INCOME + +1 = RISK ASSESSMENT + +5 = EMPLOYMENT/ INCOME + +1 = RISK ASSESSMENT + +Fannie Mae Confidential and Proprietary + +© 2021 Fannie Mae 2.24.21 Page 2 of 4 + +DU Validation Service List Message - Column Header Change + +Integrated Systems that parse the DU validation service list messages referenced below may need to be updated to use the new column header +message text. + +MessageIdentifier MessageSeverityType + +MessageCategoryType Code + +Code + +Message +Type + +Current Column +MessageText +Header Value + +New Column MessageText +Header Value + +3305* + +5 = VERIFICATION + +5 = EMPLOYMENT/ INCOME + +3307 + +3309 + +3311 + +3313 + +3319 + +3419 + +5 = VERIFICATION + +5 = EMPLOYMENT/ INCOME + +5 = VERIFICATION + +5 = EMPLOYMENT/ INCOME diff --git a/chunks/txt/16d067a0c902701cd71c1c4c8a8dec38fd9b2cc8fc27ce118b59e9be56d04380.txt b/chunks/txt/16d067a0c902701cd71c1c4c8a8dec38fd9b2cc8fc27ce118b59e9be56d04380.txt new file mode 100644 index 0000000000000000000000000000000000000000..c46c0ed051426f01cf6b05e922c0a245648b2ba2 --- /dev/null +++ b/chunks/txt/16d067a0c902701cd71c1c4c8a8dec38fd9b2cc8fc27ce118b59e9be56d04380.txt @@ -0,0 +1,141 @@ +130 + +131 + +129 + +132 + +Based on a complete visual inspection of the interior and exterior areas of the subject property, defined scope of work, statement of assumptions and limiting +conditions, and appraiser’s certification, my (our) opinion of the market value, as defined, of the real property that is the subject of this report is +$ 134 + +, which is the date of inspection and the effective date of this appraisal. + +135 + +, as of + +S +A +L +E +S + +C +O +M +P +A +R +I +S +O +N + +A +P +P +R +O +A +C +H + +R +E +C +O +N +C +I +L +I +A +T +I +O +N + +Freddie Mac Form 70 March 2005 226 + +Page 2 of 6 + +Fannie Mae Form 1004 March 2005 + +2 Uniform Residential Appraisal Report + +File # 3 + +4 4a + +5 + +A +D +D +I +T +I +O +N +A +L + +C +O +M +M +E +N +T +S + +C +O +S +T + +A +P +P +R +O +A +C +H + +Provide adequate information for the lender/client to replicate the below cost figures and calculations. +Support for the opinion of site value (summary of comparable land sales or other methods for estimating site value) 6 + +COST APPROACH TO VALUE (not required by Fannie Mae) + +7 + +8 + +ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW +Source of cost data 9 +Quality rating from cost service 10 +Effective date of cost data 11 +Comments on Cost Approach (gross living area calculations, depreciation, etc.) +12 + +OPINION OF SITE VALUE ....................................................... = $ 14 +........... =$ 17 +Dwelling 15 +Sq. Ft. @ $ 16 +Sq. Ft. @ $ 20 +18 19 +........... =$ 21 + 23 +22 +........... =$ 26 +Garage/Carport 24 +Sq. Ft. @ $ 25 +.......... = $ 27 +Total Estimate of Cost-New +Less +Depreciation +Depreciated Cost of Improvements............................................ =$ 35 +“As-is” Value of Site Improvements............................................ =$ 36 diff --git a/chunks/txt/16db5884f471e1b20f6a6a01a74221319faaa323ec57ab072faa54462d6b4d16.txt b/chunks/txt/16db5884f471e1b20f6a6a01a74221319faaa323ec57ab072faa54462d6b4d16.txt new file mode 100644 index 0000000000000000000000000000000000000000..38dd35fdd5a18935fc2658fcb85b10cbdce12a83 --- /dev/null +++ b/chunks/txt/16db5884f471e1b20f6a6a01a74221319faaa323ec57ab072faa54462d6b4d16.txt @@ -0,0 +1,69 @@ +/VALUATION_RESPONSE/PROPERTY/@_State + +2 + +String + +234 + +2 + +12c + +SALES +COMPARISON +APPROACH + +Address +(Line 2) + +Property Postal +Code + +The postal code (zip code in the US) of +the subject property. Zip code may be +either 5 or 9 digits. + +/VALUATION_RESPONSE/PROPERTY/@_PostalCode + +10 + +String + +PDF Display Format: +Whole dollars only. +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +Must conform to USPS (Pub 28). The following address elements must be included +in this field: +· Street number +· Street name (including applicable pre-directional indicator, suffix, and/or post- +directional indicator) +· Address unit designator and number (if applicable) +This data is referenced more than once on the form (fields 1-6, 2-11, 6-19), and must +be represented consistently to the extent that the available space permits +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +Must conform to USPS (Pub 28). The following address element must be included +in this field: +· City +This data is referenced more than once on the form (fields 1-7, 2-12a, 6-20a) and +must be represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +Must conform to USPS (Pub 28). The following address element must be included +in this field: +· USPS two-letter state or territory representation +This data is referenced more than once on the form (fields 1-8, 2-12b, 6-20b), and +must be represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +Must conform to USPS (Pub 28). The following address element must be included +in this field: +· 5-digit ZIP Code or ZIP+4 Code (with or without the dash) +This data is referenced more than once on the form (fields 1-9, 2-12c, 6-20c) and +must be represented consistently. diff --git a/chunks/txt/17033613b58e82a45feec1928f6622d45abab4ed4df3a79716d8e232e3be0dde.txt b/chunks/txt/17033613b58e82a45feec1928f6622d45abab4ed4df3a79716d8e232e3be0dde.txt new file mode 100644 index 0000000000000000000000000000000000000000..8bcd2a60e3072083eb318d5a8b46ceb5034c479b --- /dev/null +++ b/chunks/txt/17033613b58e82a45feec1928f6622d45abab4ed4df3a79716d8e232e3be0dde.txt @@ -0,0 +1,31 @@ +identify the apparent environmental condition(s); +identify if the apparent environmental condition is onsite, offsite, or bordering the subject site + +• +• +• provide the approximate distance to the environmental condition, as measured from the closest point of the apparent + +environmental condition to the subject property line (e.g., number of feet, miles, etc.); +identify whether the impact to the property is adverse, beneficial, or neutral; and +comment on the nature of the apparent environmental condition, and its impact on value or marketability. + +• +• + +In addition, the appraiser must make appropriate adjustments in the overall analysis of the property’s value and make the +appraisal “subject to” inspection by a qualified professional. + +Fannie Mae expects the appraiser to consider and use comparable data from the same affected market area because the sales +prices of settled sales, the contract sales prices of pending sales, and the current asking prices for active listings will reflect any +negative effect of the apparent environmental condition on value and marketability of the subject property. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 117 of 166 + +UAD 3.6 Policy + +Note: Fannie Mae does not consider the appraiser to be an expert in the field of environmental hazards. The typical residential +real estate appraiser is neither expected nor required to be an expert in this specialized field. The appraiser, however, has a +responsibility to note in the appraisal report any apparent environmental conditions that were observed during the inspection of +the subject property or information that they became aware of through the normal research involved in performing an appraisal. diff --git a/chunks/txt/170cea7566dd10e3902d4322470850dfe358dddd3762342d8fcf7356ed1ac26e.txt b/chunks/txt/170cea7566dd10e3902d4322470850dfe358dddd3762342d8fcf7356ed1ac26e.txt new file mode 100644 index 0000000000000000000000000000000000000000..cdb5688c605aba66cfc2dd71a6dfc17753aee556 --- /dev/null +++ b/chunks/txt/170cea7566dd10e3902d4322470850dfe358dddd3762342d8fcf7356ed1ac26e.txt @@ -0,0 +1,43 @@ +MISMO + +http://www.mismo.org + +MISMO Engineering Guidelines + +http://www.mismo.org/specs/v30-candidate- +recommendation.html + +V3.0 Reference Model and Logical +Data Dictionary, V30_B263- +12_LDDReport.xls + +http://www.mismo.org + +E. XML schema Editors + +In order to open and view .xsd files, an XML Editor is required. A variety of XML Editor +Software is available, some of it freeware. Wikipedia lists a wide variety of XML editors +at http://en.wikipedia.org/wiki/List_of_XML_editors. For business users, it is important +to use an XML Editor that provides a pictorial view of the V3.0 Reference Model, which +requires no need to understand and interpret an XML document. The graphical +representation of the V3.0 Reference Model shows the relationships among all the +different containers. The graphical capability should allow a user to see the V3.0 +Reference Model at the highest level to obtain an understanding of the entire model and its +organization, and the ability to drill down to increasingly detailed views of different +sections of the V3.0 Reference Model. Users should be able to view the lowest level +containers holding data points and valid values. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 59 of 76 + +Section VI. V3.0 Reference Model Features Not Used in the ULDDS + +VI. V3.0 Reference Model Features Not Used in the ULDDS + +For ease of use, the following components of the MISMO LDD and Reference Model that are +not used in the ULDDS are presented together in this section. + +A. The V30_B263-12_LDDReport diff --git a/chunks/txt/171369761e8041b1beac0ea46f375cae621cc21fd92319ed0a5e64d50247776b.txt b/chunks/txt/171369761e8041b1beac0ea46f375cae621cc21fd92319ed0a5e64d50247776b.txt new file mode 100644 index 0000000000000000000000000000000000000000..9a34fb97c508006f6cc55de136bbe2757544155b --- /dev/null +++ b/chunks/txt/171369761e8041b1beac0ea46f375cae621cc21fd92319ed0a5e64d50247776b.txt @@ -0,0 +1,132 @@ +Escrowed + +Other + +Represented as +“SOME” on form + +ROF as “ Property +Taxes” + +SpecialAssessment + +Appendix E: UCD Implementation Guide + +Page 101 of 254 + +Version 1.4 + +Uniform Closing Dataset + +5.0 Projected Payments Table + +Table 87. Property Tax and Homeowners Insurance-Multiple Cost Items Each + +ID + +Form Field Name + +5.6.3 + +In escrow? + +MISMO v3.3.0 +Context + +MISMO v3.3.0 +Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +ProjectedPaymentE +scrowedType + +Escrowed + +Represented as +“SOME” on form + +Third instance of ESTIMATED_PROPERTY_COST_COMPONENT +5.6.4 + +…/ESTIMATED_PRO +PERTY_COST_COM +PONENT + +Fourth instance of ESTIMATED_PROPERTY_COST_COMPONENT +5.6.4 + +…/ESTIMATED_PRO +PERTY_COST_COM +PONENT + +5.6.4 + +This estimate +includes:  +Homeowner’s +Insurance +In escrow? + +This estimate +includes:  +Homeowner’s +Insurance + +5.6.4 + +In escrow? + +ProjectedPaymentE +stimatedTaxesInsur +anceAssessmentCo +mponentType +ProjectedPaymentE +scrowedType + +ProjectedPaymentE +stimatedTaxesInsur +anceAssessmentCo +mponentType +ProjectedPaymentE +stimatedTaxesInsur +anceAssessmentCo +mponentTypeOthe +rDescription +ProjectedPaymentE +scrowedType + +HomeownersInsura +nce + +ROF as “ Property +Taxes” + +NotEscrowed + +Represented as +“SOME” on form + +Other + +ROF as “ +Homeowners +Insurance” + +EarthquakeInsuran +ce + +Escrowed + +Represented as +“SOME” on form + +d. MULTIPLE “OTHER” PROPERTY COST I TEMS + +If the ETI&A amount includes multiple Other cost items, implementers arbitrarily identify only one charge as the +third line item, along with the boilerplate phrase ‘‘and additional costs.’’ Property cost items not explicitly +identified as an ETI&A line item still must be included in the total periodic ETI&A amount. diff --git a/chunks/txt/172471ff291351da44757813f1e61a75b606e3078e915b97179e2524f93d2e81.txt b/chunks/txt/172471ff291351da44757813f1e61a75b606e3078e915b97179e2524f93d2e81.txt new file mode 100644 index 0000000000000000000000000000000000000000..d9e4e0196fa9077cb9cfa0547ac02b8183dfcd4a --- /dev/null +++ b/chunks/txt/172471ff291351da44757813f1e61a75b606e3078e915b97179e2524f93d2e81.txt @@ -0,0 +1,9 @@ +Integration with Public Records and Other Industry Data Repositories --------------------------------------------- 5 + +Additional Data Entry Guidance --------------------------------------------------------------------------------------------- 5 + +Integration with UAD Compliance API ------------------------------------------------------------------------------------- 6 + +Single Source for Data Entry ------------------------------------------------------------------------------------------------- 6 + +Terminology --------------------------------------------------------------------------------------------------------------------- 6 diff --git a/chunks/txt/17302cd8b57990fe19dd8376b656ef3f3a42d9a6b52c599ae036315eca2c187f.txt b/chunks/txt/17302cd8b57990fe19dd8376b656ef3f3a42d9a6b52c599ae036315eca2c187f.txt new file mode 100644 index 0000000000000000000000000000000000000000..9775d4daebeb27fe0c16fca204da370311503cf3 --- /dev/null +++ b/chunks/txt/17302cd8b57990fe19dd8376b656ef3f3a42d9a6b52c599ae036315eca2c187f.txt @@ -0,0 +1,33 @@ +DU is updated periodically to incorporate ZIP codes included in FEMA-Declared Disaster Areas eligible for Individual Assistance. +Fannie Mae may also add areas impacted by other disasters or emergencies at its discretion. New loan casefiles for properties in +those ZIP codes are excluded from consideration for a new value acceptance or value acceptance + property data offer. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 33 of 166 + +UAD 3.6 Policy + +Value Acceptance Offers Following a Disaster + +After Fannie Mae has received an acceptable appraisal report that was performed following a disaster, that appraisal report can +serve as the basis for a future value acceptance or value acceptance + property data offer. Lenders may exercise these offers in +accordance with the requirements in SB4-1.4-10, Value Acceptance and SB4-1.4-11, Value Acceptance + Property Data. + +Age of Documentation Requirements + +When a loan is secured by a property located in a FEMA-Declared Disaster Area eligible for Individual Assistance, Fannie Mae +provides the following additional flexibilities: + +• + +The underwriting documentation, including credit reports and verifications of income and assets, must be dated no +more than 180 days before the note date. + +o Lenders may disregard the message in the DU Underwriting Findings Report that indicates if the loan casefile + +has not already closed, the credit report has expired. + +• An appraisal update is not required when the effective date of the appraisal report is dated no more than 180 days before + +the note date. Lenders must comply with the property eligibility requirements above. diff --git a/chunks/txt/1741925c3d304a40b9b4e89f0cd2786523b69dc1481954b1e62471d46b91e60f.txt b/chunks/txt/1741925c3d304a40b9b4e89f0cd2786523b69dc1481954b1e62471d46b91e60f.txt new file mode 100644 index 0000000000000000000000000000000000000000..47c90f36e6976572ed889248966cb4d77201472f --- /dev/null +++ b/chunks/txt/1741925c3d304a40b9b4e89f0cd2786523b69dc1481954b1e62471d46b91e60f.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/fhlb-stress-tests" +date_accessed: "2026-01-27T17:47:56.081Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/1756108848c12d7343c63dc88c1d8d78f6bcd06b9e6ced98f47dc8e7b2f79aae.txt b/chunks/txt/1756108848c12d7343c63dc88c1d8d78f6bcd06b9e6ced98f47dc8e7b2f79aae.txt new file mode 100644 index 0000000000000000000000000000000000000000..305e53d43311344f322f657821f4b8e8ccc5cbcb --- /dev/null +++ b/chunks/txt/1756108848c12d7343c63dc88c1d8d78f6bcd06b9e6ced98f47dc8e7b2f79aae.txt @@ -0,0 +1,74 @@ +Message ID + +3101 + +3103 + +3107 + +3489 + +3735 + +New Messages + +Lender Text + +Parameters + +(None, Fixed Type message) + +Reason + +Total reported income on casefile | Vendor + +(None, Fixed Type message) + +Borrower + +Asset account information may have been used to +support the income and/or employment +information provided on the online loan +application. +Income and/or employment cannot be supported +using asset account information due to the +following: +The total income for this loan casefile of $%a +entered on the online loan application is +supported using asset account information. The +asset report from %a is acceptable documentation +to support this income. +DU observed that the submitted asset report(s) do +not contain twelve months of transaction history. +Therefore, this asset report(s) will be insufficient +for employment-related income validation. + +Child support must be verified for %a with one of +the following documents: divorce decree, +separation agreement, court decree, any other +legal agreement that describes the payment +terms, or any applicable state law that requires +such payments and specifies the conditions under +which the payments must be made. The lender +must verify the child support income will continue +for at least three years. Refer to the Selling Guide +for additional information. + +© 2024 Fannie Mae + +3 of 4 + +Borrower + +3737 + +Alimony must be verified for %a with one of the +following documents: divorce decree, separation +agreement, court decree, any other legal +agreement that describes the payment terms, or +any applicable state law that requires such +payments and specifies the conditions under +which the payments must be made. The lender +must verify the alimony income will continue for at +least three years. Refer to the Selling Guide for +additional information. diff --git a/chunks/txt/1763dca7037062c24dc2342b75440ac4206404f0d05d687d51c5eda444f121a1.txt b/chunks/txt/1763dca7037062c24dc2342b75440ac4206404f0d05d687d51c5eda444f121a1.txt new file mode 100644 index 0000000000000000000000000000000000000000..f137cf03eaf9b18e15029cf197b4707aad25ddb9 --- /dev/null +++ b/chunks/txt/1763dca7037062c24dc2342b75440ac4206404f0d05d687d51c5eda444f121a1.txt @@ -0,0 +1,111 @@ + + + joe@alpkare.biz + + + + + + + + 3215557171 + + + + + + +Joseph + Cain + + + + + + +UCD v2.0 Implementation Guide + +- 146 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 118. XML Snippet – Example of Conditional PARTY Data. + + + +Listing + + + + +RealEstateAgent + + + + + + + + + + + + + + +Alpha Real Estate Broker, Inc. + + + + + +
+ +987 Suburb Ct. + Mailing + Someplace + 12340 + ST + +
+ + + + + + +Selling + + + + +RealEstateAgent + + + + + + + + + +… + + +UCD v2.0 Implementation Guide + +- 147 - + +Version 1.0 + +Uniform Closing Dataset + +Appendix A. Glossary and List of Acronyms + +APPENDIX A. GLOSSARY AND LIST OF ACRONYMS diff --git a/chunks/txt/17664cf126f21fc0c2473b77c9e05f5da5aef76f1c30d457de970e1899b577ee.txt b/chunks/txt/17664cf126f21fc0c2473b77c9e05f5da5aef76f1c30d457de970e1899b577ee.txt new file mode 100644 index 0000000000000000000000000000000000000000..30a14ccc4ee513c88f1ceab8fe95421a2b2b2a51 --- /dev/null +++ b/chunks/txt/17664cf126f21fc0c2473b77c9e05f5da5aef76f1c30d457de970e1899b577ee.txt @@ -0,0 +1,98 @@ +Sales Comparison Approach: Exterior Quality and Condition + +Report +Field ID + +22.08.06 +22.08.21 + +22.08.08 +22.08.22 + +Windows + +If relevant + +Required when the +row is included in the +sales comparison grid + +Free-form + +If relevant, for +each +additional +feature + +Required when the +row is included in the +sales comparison grid + +Free-form + +[Other Exterior +Feature] +22.08.07 +Exterior +Feature Other +Description +8.041 +populates +from Dwelling +Exterior + +Windows Quality +Summary does not +populate from Dwelling +Exterior; the appraiser +must enter information +for the subject property + +Dwelling Exterior +• + +Exterior Feature +Other Description +8.041 (Report +Label) + +Other Exterior Feature +Quality Summary +22.08.08 does not +populate from Dwelling +Exterior; the appraiser +must enter information +for the subject property + +No + +Windows Quality Summary: A short description summarizing the quality +of the windows in the dwelling. + +No + +If needed to support the quality rating, additional rows may be included +for any features not predefined that were added to the Exterior +Features table in the Dwelling Exterior section (8.041-8.045). + +Example: Other Exterior Feature Example in Dwelling Exterior and Sales +Comparison Approach + +Other Exterior Feature Quality Summary: A short description +summarizing the quality of the other exterior feature. Example: Custom +concrete cornices and frieze + +Notes: +• +• + +If the feature does not exist for the comparable, enter “None”. +If the comparable has an exterior feature that the subject does not +have, report as an Additional Row in the Dwelling(s) subsection +(22.05.18) and not here. + +The Exterior Condition Rating for the dwelling provides support for the +Overall Condition Rating. Adjustments are made in the Overall Condition +Rating row. +Reference Appendix 2: Condition and Quality Rating Definitions for +definitions. diff --git a/chunks/txt/17730ed5dfe9d23508e561a67ef6d98022caf8ddb1d1def3feddc9198919a0b8.txt b/chunks/txt/17730ed5dfe9d23508e561a67ef6d98022caf8ddb1d1def3feddc9198919a0b8.txt new file mode 100644 index 0000000000000000000000000000000000000000..1a7089835b0c4b48016ddc5b4d547e206cad9182 --- /dev/null +++ b/chunks/txt/17730ed5dfe9d23508e561a67ef6d98022caf8ddb1d1def3feddc9198919a0b8.txt @@ -0,0 +1,36 @@ +PRIN CIPAL AND +IN TEREST PAYMENT +ADJUSTMENT + +REPEATABLE +CON TAINERS + +REUSABLE CONTAINERS + +PRINCIPAL_AND_INTEREST_PAYMENT_ADJUSTMENT holds two child containers that capture +the loan terms defining how the P&I payment can change: +PRINCIPAL_AND_INTEREST_PAYMENT_LIFETIME_ADJUSTMENT RULE holds data points +conveying the adjustment rules that apply for the entire life of the loan. +PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE holds data points +conveying the adjustment rules that apply to a single adjustment. The value of +AdjustmentRuleType indicates whether the data points in this container pertain to the initial +P&I payment adjustment (“First”) or the periodic payment adjustments after the first +(“Subsequent”). Data from both containers is used to describe how the P&I payment can or +will change. + +In MISMO v3.3.0, if the direct parent of a container has an identical, but plural, name (For +example: PARTIES/PARTY), then the container is said to be “repeatable.” If a use case calls for +more than one instance of a data point that is located under a repeatable container, the whole +container structure must repeat for each needed instance of the data point. + +In MISMO v3.3.0, many containers hold basic data points that can be used in various contexts. +The only way to fully define the data in reusable containers is to rely on the XPath to a given +container for context. For example: NAME, ADDRESS, LEGAL ENTITY DETAIL. + +@ SEQUENCE NUMBER @SequenceNumber holds an integer value and is used to provide order to multiple repeating + +sibling elements. The @SequenceNumber value must be unique for each instance of the +repeatable container. For example: In the Payment Calculations section of the Projected +Payments table, @SequenceNumber specifies the order of the columns, starting with “1” for +the first column on the left and incrementing to “4” if necessary to capture all the required +business data. diff --git a/chunks/txt/17737c9cb6e8eb6e67d04a2c51fa177ff09f392e923652832706368c8058aa5c.txt b/chunks/txt/17737c9cb6e8eb6e67d04a2c51fa177ff09f392e923652832706368c8058aa5c.txt new file mode 100644 index 0000000000000000000000000000000000000000..1adf0aef052d83da974028034952b9a65e902941 --- /dev/null +++ b/chunks/txt/17737c9cb6e8eb6e67d04a2c51fa177ff09f392e923652832706368c8058aa5c.txt @@ -0,0 +1,53 @@ +If none, the appraiser must indicate 'None'. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +String + +This is a free text field which should describe any porch, patio, or deck. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +Money + +String + +This field is required if the value of field e- +19 (GSE Below Grade Finish Square Feet +Number) is greater than zero. + +The sum of this field 3-97 and fields (3-60, +3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3- +76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, +3-93, 3-95, 3-99, 3-101, 3-103, 3-105, 3- +107, 3-109, 3-111) must add up to Net +Adjustment field 3-116. + +The sum of this field 3-99 and fields (3-60, +3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3- +76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, +3-93, 3-95, 3-97, 3-101, 3-103, 3-105, 3- +107, 3-109, 3-111) must add up to Net +Adjustment field 3-116. + +The sum of this field 3-101 and fields (3-60, +3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3- +76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, +3-93, 3-95, 3-97, 3-99, 3-103, 3-105, 3-107, +3-109, 3-111) must add up to Net +Adjustment field 3-116. diff --git a/chunks/txt/1773ce7bd8c7a66cf91f36b25facdcfc9ab1ec141dcd2dd7f88da9285096caf3.txt b/chunks/txt/1773ce7bd8c7a66cf91f36b25facdcfc9ab1ec141dcd2dd7f88da9285096caf3.txt new file mode 100644 index 0000000000000000000000000000000000000000..d1cda0865a518e1598b95d62a6f51e3ea5dae402 --- /dev/null +++ b/chunks/txt/1773ce7bd8c7a66cf91f36b25facdcfc9ab1ec141dcd2dd7f88da9285096caf3.txt @@ -0,0 +1,33 @@ +30-90 days +05/23/2018 + +Reconciliation of Market Value + +Utilize this subsection for additional commentary as required by USPAP. + +Apparent Defects, Damages, Deficiencies + +None + +Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2) + +Uniform Residential Appraisal Report + +Page 22 of 24 +Page 22 of 24 + +This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of +assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions +and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis +necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the +certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material +alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an +appraisal organization, are permitted. + +Scope of Work + +The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users, +the intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the +applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject +property; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property +reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report. diff --git a/chunks/txt/1778e7e4c48506b510f04953cb5271cbc2a7d5674259132f88971bb119df36ce.txt b/chunks/txt/1778e7e4c48506b510f04953cb5271cbc2a7d5674259132f88971bb119df36ce.txt new file mode 100644 index 0000000000000000000000000000000000000000..848fed65689a74900a0cbf47cc07346801b4b31b --- /dev/null +++ b/chunks/txt/1778e7e4c48506b510f04953cb5271cbc2a7d5674259132f88971bb119df36ce.txt @@ -0,0 +1,3 @@ +Overview .................................................................................................................................................................................................................................................. 66 + +Header ...................................................................................................................................................................................................................................................... 66 diff --git a/chunks/txt/1782a447e207400a7de4ff0f28cffa74b12436aebcd89b42e3a84af9d5e29abc.txt b/chunks/txt/1782a447e207400a7de4ff0f28cffa74b12436aebcd89b42e3a84af9d5e29abc.txt new file mode 100644 index 0000000000000000000000000000000000000000..2bc9c8d18be363a16783060fe2b9e12c283f1552 --- /dev/null +++ b/chunks/txt/1782a447e207400a7de4ff0f28cffa74b12436aebcd89b42e3a84af9d5e29abc.txt @@ -0,0 +1,53 @@ +Effective: Lenders may take advantage of these clarifications immediately. + +Miscellaneous update + +B2-1.3-01, Purchase Transactions, B2-2-03, Multiple Financed Properties for the Same Borrower, B2-2-06, Homeownership +Education and Housing Counseling, and B3-5.4-01, Eligibility Requirements for Loans with Nontraditional Credit: We made +additional miscellaneous changes to align these topics with updates previously communicated in Selling Guide Announcement +SEL-2025-09. The minor clarifications relate to the removal of minimum credit score requirements for DU loans. + +Lenders may contact their Fannie Mae Account Team if they have questions about this Announcement. +Have guide questions? Get answers to all your policy questions, straight from the source. Ask Poli. + +© 2025 Fannie Mae SEL-2025-10 Page 3 of 4 + +Impacted Topics + +Section of the Announcement + +Updated Selling Guide Topics (Dated Dec. 10, 2025) + +HomeStyle Refresh + + B2-1.3-03, Cash-Out Refinance Transactions + + B4-1.2-02, Desktop Appraisals + + B4-1.2-03, Hybrid Appraisals + + B4-1.2-05, Requirements for Verifying Completion and Postponed + +Improvements + + B4-1.4-10, Value Acceptance + + B4-1.4-11, Value Acceptance + Property Data + + B5-3.2-01, HomeStyle Renovation Mortgages + + B5-3.2-03, HomeStyle Renovation Mortgages: Collateral Considerations + + B5-3.3, HomeStyle Refresh Mortgages + + B5-3.3-01, HomeStyle Refresh for Improvements on Existing Properties + + B7-2-06, Attorney Title Opinion Letter Requirements + +HomeStyle Renovation + + B5-3.2-02, HomeStyle Renovation Mortgages: Loan and Borrower Eligibility + +Remove the 3% acceptability +requirement for 7- and 10-year +ARMs diff --git a/chunks/txt/1793346f2e89cb726737a439ce647831d27f1934c7f727aa65b45270e76ab8d4.txt b/chunks/txt/1793346f2e89cb726737a439ce647831d27f1934c7f727aa65b45270e76ab8d4.txt new file mode 100644 index 0000000000000000000000000000000000000000..75ae10758c642bbd633c32bf280a567ef878137b --- /dev/null +++ b/chunks/txt/1793346f2e89cb726737a439ce647831d27f1934c7f727aa65b45270e76ab8d4.txt @@ -0,0 +1,52 @@ +Page 362 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Appendix 4: Detached Garage Examples + +Example 1: Detached Garage – Vehicle Storage Only + +In this example, the subject has a 400 sq. ft. detached heated garage with no additional separate area. + +No Outbuilding Section + +When the detached garage has no additional separate area, it is not reported as an outbuilding, so the +Outbuilding section does not display. + +Vehicle Storage + +When the detached garage has no additional separate area, it is reported in the Vehicle Storage section only. +Any defects, damages, or deficiencies for the structure are reported in this section. If the garage has unique +features, they are noted in Vehicle Storage Commentary. +• + +In this example, the 400 sq. ft. detached garage is reported, and the heated garage is noted in Vehicle +Storage Commentary. + +Sales Comparison Approach + +In this example, Comparable #1 has a 2-car heated garage with a half bath, and an additional outbuilding for +which Outbuilding Type is Greenhouse. + +Vehicle Storage Subsection + +Information about the subject property’s driveway and garage populates from the Vehicle Storage section. If the +subject or comparable(s) have additional features that impact value and/or marketability, dynamic rows are +utilized to support adjustments and conclusions. + +Appendix F-1: URAR Reference Guide + +Page 363 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Appendix 4: Detached Garage Examples + +In this example, rows were utilized for heating and baths, and the adjustment for Comparable #1 is attributable +exclusively to the half bath. + +Outbuilding Subsection diff --git a/chunks/txt/17a5dca3af16645cd4c40acb7392a509f1719e52358f9bb88209badb72939c0a.txt b/chunks/txt/17a5dca3af16645cd4c40acb7392a509f1719e52358f9bb88209badb72939c0a.txt new file mode 100644 index 0000000000000000000000000000000000000000..72ee33384b46ea9917593b55cd4919c86e95a46c --- /dev/null +++ b/chunks/txt/17a5dca3af16645cd4c40acb7392a509f1719e52358f9bb88209badb72939c0a.txt @@ -0,0 +1,197 @@ +None + +Site Exhibits + +Property Access (Street Scene) - East + +Property Access (Street Scene) - West + +If more + +than 1 + +Unit-- + +different + +set up + +This is where the Property Access East photo would display. + +This is where the Property Access West photo would display. + +Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 4 of 24 +Page 4 of 24 + +Site (continued) + +Site Influence - View - Golf Course + +This is where the Golf Course photo would display. + +Disaster Mitigation + +Mitigation Feature + +Impact Resistant Glass +Impact Resistant Shingles + +Disaster Mitigation Commentary + +The house was built with impact resistant roof and windows for mitigation against hail and high winds. + +Energy Efficient and Green Features + +Known Renewable Energy Components + +None + +Building Certification Organization +US Green Building Council + +Certification +LEED + +Known Efficiency Ratings + +None + +Check #A + +Energy Efficient and Green Features Impact to Value/Marketability + +Impact to Value/Marketability + +Neutral + +Year +2018 + +Version +V4 + +Rating +Gold + +Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 5 of 24 +Page 5 of 24 + +Sketch + +Measurement Standard + +ANSI + +Floor Plan + +Bedroom + +' + +7 +1 + +8' + +Staircase + +38' + +1 +6 + +' + +30' + +3 Car Attached + +34' + +B +a +t +h + +1/2 +Bath + +4' + +4 + +' + +1 +1 + +' + +Mud +Room + +4' + +1 +5 + +' + +Office + +' + +5 +1 + +m +o +o +R +g +n +n +D + +i + +i + +Kitchen + +L1 + +8' + +' + +0 +1 + +Family +Room + +' + +5 + +1' + +' + +0 +1 + +1' + +' + +5 diff --git a/chunks/txt/17a904abf09448da41a6faabe5283ccfdf5209c9a22a5468687dab6e25c25493.txt b/chunks/txt/17a904abf09448da41a6faabe5283ccfdf5209c9a22a5468687dab6e25c25493.txt new file mode 100644 index 0000000000000000000000000000000000000000..b13bb502a65dd9c6c74be4ac563cf44b85605268 --- /dev/null +++ b/chunks/txt/17a904abf09448da41a6faabe5283ccfdf5209c9a22a5468687dab6e25c25493.txt @@ -0,0 +1,133 @@ +Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 18 of 24 +Page 18 of 24 + +Sales Comparison Approach (continued) + +Sales Comparison Map + +This is where the map of sales and rental comparables would display. + +Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 19 of 24 +Page 19 of 24 + +Sales Comparison Approach (continued) + +Sales Comparison Approach Exhibits + +Comparable #1 + +Comparable #2 + +This is where the Comparable 1 photo would display. + +This is where the Comparable 2 photo would display. + +Comparable #3 + +Comparable #4 + +This is where the Comparable 3 photo would display. + +This is where the Comparable 4 photo would display. + +Rental Information + +Rent Schedule + +Subject Property Rental Information + +Currently +Rented +No + +Occupancy +Vacant + +Monthly +Rent +$0 + +Month-to- +Month + +Lease Start + +Rent +Control +No + +Rent +Concessions + +Utilities/ +Services +Included + +Furnished + +Actual Income (Monthly) + +Rent + +Subtotal + +Other Real Property Rental Income + +None + +Subtotal + +Total + +$0 + +$0 + +$0 + +$0 + +$0 + +Opinion of Market Income (Monthly) + +Rent + +$3,500 + +Subtotal + +$3,500 + +Other Real Property Rental Income + +None + +Subtotal + +$0 + +$0 + +Total + +$3,500 + +Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 20 of 24 +Page 20 of 24 + +Rental Information (continued) + +Comparable Rental Properties diff --git a/chunks/txt/17b47b01bad291821ec27b7fa8f0f9a8f55b723164894f394718cb48b4396591.txt b/chunks/txt/17b47b01bad291821ec27b7fa8f0f9a8f55b723164894f394718cb48b4396591.txt new file mode 100644 index 0000000000000000000000000000000000000000..f286be9058d213db5e9ca4c13ca9ae352b76c715 --- /dev/null +++ b/chunks/txt/17b47b01bad291821ec27b7fa8f0f9a8f55b723164894f394718cb48b4396591.txt @@ -0,0 +1,23 @@ +[View Program](/programs/fintech/techsprint/2024) + +- ## Affordable Housing & Community Investment + +The Federal Home Loan Bank Affordable Housing Program is used to finance the construction, purchase or rehabilitation of housing. Fannie Mae and Freddie Mac have affordable housing goals to purchase low-income and very low-income single-family and multifamily mortgages. + +[View Program](/programs/affordable-housing) + +- ## Duty to Serve Program + +Information about Duty to Serve provisions of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008. This statute requires Fannie Mae and Freddie Mac to serve three specified underserved markets: manufactured housing, affordable housing preservation and rural housing markets. + +[View Program](/programs/duty-to-serve) + +- ## Fannie Mae & Freddie Mac Affordable Housing Goals + +Under the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008, Fannie Mae and Freddie Mac are subject to affordable housing goals covering their purchases of single-family mortgages and multifamily mortgages. + +[View Program](/programs/enterprise-affordable-housing-goals) + +- ## FHFA's Housing Finance Examiner Commission Program + +The main objective of the program is to provide examiners with broad-based knowledge to conduct successful risk-based examinations. A Housing Finance Examiner Commission will indicate whether an examiner is qualified to lead the examination of a major risk area at Fannie Mae, Freddie Mac, and the Federal Home Loan Banks. The program combines coursework, on-the-job training, and testing to ensure an examiner has the skills and technical knowledge necessary to evaluate the condition and practices of the entities that FHFA supervises. diff --git a/chunks/txt/17b6173761412b24a72b2483cb43a7e18f5dd7d7c1e6e87d2b2e83e71559a041.txt b/chunks/txt/17b6173761412b24a72b2483cb43a7e18f5dd7d7c1e6e87d2b2e83e71559a041.txt new file mode 100644 index 0000000000000000000000000000000000000000..dc3fa0e1ecd7016b9c73967254249fc5c8cda9fc --- /dev/null +++ b/chunks/txt/17b6173761412b24a72b2483cb43a7e18f5dd7d7c1e6e87d2b2e83e71559a041.txt @@ -0,0 +1,3 @@ +Outbuilding – Arcrole Relationships ......................................................................................................................................................................................... 212 + +13 Vehicle Storage ............................................................................................................................................................................................................................... 214 diff --git a/chunks/txt/17b876549babc793ad6c2ad46542a652533ff2171bdf7193cdab180c85101420.txt b/chunks/txt/17b876549babc793ad6c2ad46542a652533ff2171bdf7193cdab180c85101420.txt new file mode 100644 index 0000000000000000000000000000000000000000..dd1949dc949c850b368efca8c70549f6c13efe1d --- /dev/null +++ b/chunks/txt/17b876549babc793ad6c2ad46542a652533ff2171bdf7193cdab180c85101420.txt @@ -0,0 +1,41 @@ +Provides answers to common questions about the UAD 3.6 and Forms Redesign. + +[Learn More **](https://singlefamily.fanniemae.com/media/23286/display) + +##### Limited Production Period Overview + +Guidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative. + +[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-limited-production-readiness-overview) + +##### Limited Production Period Lender Readiness Questionnaire + +Must be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period. + +[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-questionnaire) + +##### Combined Sample Scenarios + +Appendix D sample scenarios, combined into a single PDF to make it easier to access and review them. + +[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/sample-scenario-pdf) + +##### Condition and Quality Rating Definitions PDF + +PDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide. + +[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/condition-and-quality-rating-definitions-pdf) + +##### Partner Playbook + +Designed to help industry partners prepare for the UAD 3.6 and Forms Redesign. + +[Learn More **](https://singlefamily.fanniemae.com/media/34686/display) + +##### Servicer Preparedness + +Prepares servicers for the transition for UAD 3.6. + +[Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers) + +##### Inspection and Reporting Tips diff --git a/chunks/txt/17c5811caa5ec764f40b54572398ed3518a5d7792cf58f4d5e0ef0064c5bfa6e.txt b/chunks/txt/17c5811caa5ec764f40b54572398ed3518a5d7792cf58f4d5e0ef0064c5bfa6e.txt new file mode 100644 index 0000000000000000000000000000000000000000..68779db25999094c54a97de70318fa67f839758f --- /dev/null +++ b/chunks/txt/17c5811caa5ec764f40b54572398ed3518a5d7792cf58f4d5e0ef0064c5bfa6e.txt @@ -0,0 +1,27 @@ +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/13616","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); })(); diff --git a/chunks/txt/17c7d3a6658ee30f40126dacd69d763d59814f880ea64b6bc8feeee717e81fe3.txt b/chunks/txt/17c7d3a6658ee30f40126dacd69d763d59814f880ea64b6bc8feeee717e81fe3.txt new file mode 100644 index 0000000000000000000000000000000000000000..8c1373d2f1fb955ef401de2c99af0ad23ffb1392 --- /dev/null +++ b/chunks/txt/17c7d3a6658ee30f40126dacd69d763d59814f880ea64b6bc8feeee717e81fe3.txt @@ -0,0 +1,27 @@ +Certifications – Arcrole Relationships ...................................................................................................................................................................................... 376 + +Page 20 + +Appendix B-1: URAR Implementation Guide v1.3 + +Introduction + +The Uniform Appraisal Dataset (UAD) is a standardized industry dataset for appraisal information that is transmitted electronically through +the Uniform Collateral Data Portal® (UCDP®). At the direction of the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac +(the government-sponsored enterprises or GSEs) jointly developed the first UAD in 2010 using the Mortgage Industry Standards +Maintenance Organization (MISMO®) Reference Model 2.6, providing consistent data standards for the loans the GSEs purchase. + +The dataset is being updated to reflect changes to the appraisal industry, address future appraisal needs, and facilitate ongoing digitization +in the appraisal process and the mortgage industry. + +In the legacy UAD, standardized data was the key to evaluating risk at a macro level. The new dataset will build on this advancement by: + +Page 21 + +• Creating consistent enumerated fields. + +• Keeping the related data together in each section for an easy-to-read report. + +• Reducing subjectivity to enhance impartiality through discrete data versus free-form text. + +• Having conditionality drive what sections appear on the final output, eliminating the need for multiple forms to support different diff --git a/chunks/txt/17caf47276889ad502eecf493e9fe03bbed4648ec5a1d246c83c070d1a9b50ac.txt b/chunks/txt/17caf47276889ad502eecf493e9fe03bbed4648ec5a1d246c83c070d1a9b50ac.txt new file mode 100644 index 0000000000000000000000000000000000000000..2358e7e790f5cf7bbf5ee27f96868876224a6940 --- /dev/null +++ b/chunks/txt/17caf47276889ad502eecf493e9fe03bbed4648ec5a1d246c83c070d1a9b50ac.txt @@ -0,0 +1,47 @@ +Grayed Out Cells + +Information that is never applicable for the subject or comparables is grayed out in the rental comparison grid. +Example: +• Proximity to Subject, Overall Comparison to Subject, and Adjusted Rent are not applicable for the subject units and are always grayed out. +• Opinion of Market Rent (Monthly Market Rent for Unit) is not applicable for the comparable units and is always grayed out. + +Cells Displaying a Dash + +Information that is not applicable for the appraisal displays a dash (—) in the rental comparison grid. +Example: +• + +If the subject or a comparable is not in a condominium, cooperative, or condop, and the row is included in the rental comparison grid, Project +Name and Project Common Amenities/Services displays a dash for the applicable property to show that the information is not applicable. + +Appendix F-1: URAR Reference Guide + +Page 289 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +23 Rental Information + +How Rows Display in the Rental Comparison Grid + +There are two ways that rows display in the rental comparison grid depending on characteristics of the subject and / or comparables. +• Rows that always display + +o Proximity to Subject +o Bedrooms +o Baths – Full | Half +o Finished Area +o Vehicle Storage | Spaces +o Summary subsection + +• Rows that may display if relevant to provide support for Adjusted Rent + +For a full list, see Appendix F-1: URAR Reference Guide Supplement - Summary of Rows in Comparable Grids. + +General Guidance on Rows that May Display + +Some rows display on the rental comparison grid if relevant: +• To report meaningful attributes, or +• To support conclusions, scope of work, or policy diff --git a/chunks/txt/17d010e4e614138da89731983b111d0a87e278b29de4221d11cce3b048ea88e5.txt b/chunks/txt/17d010e4e614138da89731983b111d0a87e278b29de4221d11cce3b048ea88e5.txt new file mode 100644 index 0000000000000000000000000000000000000000..3e227e8a83b9bf48fc2da38cff653e2b8a9c70da --- /dev/null +++ b/chunks/txt/17d010e4e614138da89731983b111d0a87e278b29de4221d11cce3b048ea88e5.txt @@ -0,0 +1,69 @@ +8.10 G. Initial Escrow Payment at Closing +8.11 Homeowner’s Insurance 8.11.1 ($ per month for n mo.) to Payee Type 8.11.2 $ +8.12.1 ($ per month for n mo.) to Payee Type 8.12.2 $ +8.12 Mortgage Insurance +8.13.1 ($ per month for n mo.) to Payee Type 8.13.2 $ +8.13 Property Taxes +8.14.1 ($ per month for n mo.) to Payee Type 8.14.2 $ +8.14 Escrow Item + +8.4.1 $ + +8.5.3 $ +8.6.3 $ +8.7.3 $ +8.8.3 $ +8.9.3 $ + +8.10.1 $ + +8.5.5 $ +8.6.5 $ +8.7.5 $ +8.8.5 $ +8.9.5 $ + +8.5.4 $ +8.6.4 $ +8.7.4 $ +8.8.4 $ +8.9.4 $ + +8.11.4 $ +8.12.4 $ +8.13.4 $ +8.14.4 $ + +8.5.6 $ +8.6.6 $ +8.7.6 $ +8.8.6 $ +8.9.6 $ + +8.11.6 $ +8.12.6 $ +8.13.6 $ +8.14.6 $ + +8.15 Aggregate Adjustment +8.16 H. Other +8.17 Fee Item + +8.17.1 to Payee Type & Name + +8.17.2 $ + +8.17.3 $ + +8.17.4 $ + +8.17.5 $ + +8.17.6 $ + +8.15.2 -$ + +8.16.1 $ + +8.18 I. TOTAL OTHER COSTS (Borrower-Paid) +8.19 Other Costs Subtotals (E + F + G + H) diff --git a/chunks/txt/17e3036280ebf36d30b8cc8f8dca5c6c45a5505e9e8a1051fdbf14140c109dc3.txt b/chunks/txt/17e3036280ebf36d30b8cc8f8dca5c6c45a5505e9e8a1051fdbf14140c109dc3.txt new file mode 100644 index 0000000000000000000000000000000000000000..2ffb84689e10f91790917cbaeecd6215fe3a8f3c --- /dev/null +++ b/chunks/txt/17e3036280ebf36d30b8cc8f8dca5c6c45a5505e9e8a1051fdbf14140c109dc3.txt @@ -0,0 +1,74 @@ +Quality Rating Definitions +In each category, the property must meet the majority of the criteria listed but does not have to meet all criteria. + +Rating + +Overall Quality Rating + +Interior Quality Rating + +Exterior Quality Rating + +The dwelling is an individually designed, +one-of-a-kind structure built to exacting +standards. Q1 features exceptional +quality materials and luxury amenities, +and exhibits the highest quality of +workmanship and complexity in +architectural design. The dwelling +features a high degree of refinement +and ornamentation that requires +specialized construction or installation. +A Q1 dwelling is recognized as being +very rare or even non-existent in some +communities. + +The dwelling is a high-quality structure, +often using customized or complex, +commercially available plans. The +materials and amenities have extended +life expectancy, high energy efficiency, +and greater detail, ornamentation, or +custom finishes. A Q2 dwelling can +contain a mixture of upgraded, high-end +and luxury materials, constructed with +high-quality workmanship. + +Q1 + +Q2 + +• + +• + +• + +• + +• + +• + +• + +• + +Spacious rooms with high ceilings featuring +extensive use of treatments (e.g., coved, +barrel, cupola, coffered, beamed) and +exceptional grade trim and custom +millwork throughout. +Exceptional grade, often rare or imported +flooring materials, frequently featuring +inlay work or other customization. +Spacious kitchens featuring top-grade +materials, extensive cabinetry, and +countertop surface area; appliances and +fixtures are frequently state of the art, +custom-designed, built-in, or commercial +grade. +Luxury bathrooms, often oversized and +featuring exceptional quality materials and +multiple ornate or state-of-the-art fixtures +and features. diff --git a/chunks/txt/17e93455551e1e597ffadf931254100bd12721c8e4523f4fc035bc2868ac1680.txt b/chunks/txt/17e93455551e1e597ffadf931254100bd12721c8e4523f4fc035bc2868ac1680.txt new file mode 100644 index 0000000000000000000000000000000000000000..bbb074836a9db22ffa22c70a81e1c298976b5e28 --- /dev/null +++ b/chunks/txt/17e93455551e1e597ffadf931254100bd12721c8e4523f4fc035bc2868ac1680.txt @@ -0,0 +1,132 @@ +Non-Residential Use + +4.020.1 + +1400.0619 + +ImageCategoryType/PropertyAccess + +Property Access (Street Scene) + +4.025.1 + +1400.0638 + +4.032.1 + +1400.0638 + +ImageCategoryType/SiteInfluence +ImageCategoryType/PermanentWaterfrontF +eature + +Site Influence + +Permanent Waterfront Feature + +Display when image provided + +4.034.1 + +1400.0638 + +ImageCategoryType/WaterFrontage + +Water Frontage + +4.039.1 + +1400.0638 + +ImageCategoryType/View + +View + +Display when +PrivateAccessIndicator= “true” +Display when image provided + +Appendix B-1: URAR Implementation Guide v1.3 + +CR IF PropertyMixedUsageIndicator = +"true" +Required + +Display when image provided + +Unique ID MISMO Data Point/Enumerated Value + +Image Header + +Conditionality + +Site Exhibits + +Page 139 + +Report +Field ID +4.059.1 + +1400.0638 + +ImageCategoryType/Encroachment + +Encroachment + +4.063.1 + +1400.0638 + +ImageCategoryType/SiteCharacteristic + +Site Characteristic + +4.117.1 + +1400.0638 + +ImageCategoryType/SiteExhibit + +user provided text only + +4.118.1 + +1400.0638 + +ImageCategoryType/LandComparableMap + +Map of Land Comparables + +4.119.1 + +1400.0638 + +4.100.1 + +3900.0123 + +ImageCategoryType/PropertyBoundaries +Images provided for Apparent Defects, +Damages, Deficiencies (Site) must be +delivered in the DEFECT container. + +4.100.2 + +1400.0922 + +Property Boundaries +Apparent Defects, Damages, Deficiencies – +followed by +DefectComponentLabelTypeOtherDescription +User provided text follows [Apparent Defects, +Damages, Deficiencies – followed by +DefectComponentLabelTypeOtherDescription] + +Display when image provided + +Display when image provided + +Display when image provided + +Display when image provided diff --git a/chunks/txt/18011e0919a79c63acf296913f166625e90bec845c134da75b0a5599704d292e.txt b/chunks/txt/18011e0919a79c63acf296913f166625e90bec845c134da75b0a5599704d292e.txt new file mode 100644 index 0000000000000000000000000000000000000000..b7fc91344a4229c5e721d4cf4e461eb36941de3a --- /dev/null +++ b/chunks/txt/18011e0919a79c63acf296913f166625e90bec845c134da75b0a5599704d292e.txt @@ -0,0 +1,99 @@ +Outbuilding - [Outbuilding Type] + +Considered Real Property +Units in Structure +Attached to Permanent Foundation +Structure Volume +Gross Building Area + +Gross Building Area for the outbuilding includes area for vehicle storage, +ADU(s), and any other uses + +Detail + +Heating +Cooling + +Utilities + +Yes No +  +  + +The table below depicts the area of the outbuilding, excluding vehicle +storage and any ADU(s) + +Finish +Finished + +Unfinished + +Total Area + +Room Summary + +Mechanical System Details + +System + +Detail + +Other Mechanical Systems + +Heating + +Cooling + +Apparent Defects, Damages, Deficiencies ([Outbuilding Type]) + +The items listed below represent the As Is condition as of the effective date of this report + +Feature + +Location + +Description + +Affects Soundness or +Structural Integrity + +Recommended +Action + +Outbuilding Commentary + +Outbuilding Exhibits + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +Vehicle Storage + +Storage + +Number of Parking Spaces + +Detail + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +The items listed below represent the As Is condition as of the effective date of this report + +Feature + +Location + +Description + +Affects Soundness or +Structural Integrity + +Recommended +Action + +Vehicle Storage Commentary + +Vehicle Storage Exhibits + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +Subject Property Amenities diff --git a/chunks/txt/1802ef89d2f62440642a2169a624418a42d544573807c987431b72391221c472.txt b/chunks/txt/1802ef89d2f62440642a2169a624418a42d544573807c987431b72391221c472.txt new file mode 100644 index 0000000000000000000000000000000000000000..1ea1a694bf2341f1df935a62607189dad0e11976 --- /dev/null +++ b/chunks/txt/1802ef89d2f62440642a2169a624418a42d544573807c987431b72391221c472.txt @@ -0,0 +1,140 @@ +tract_rural + +Rural Census Tract + +1 = Yes +0 = No + +59 + +1 + +county_lower_ +ms_delta + +Lower Mississippi Delta +County + +1 = Yes +0 = No + +60 + +1 + +county_mid_ +appalachia + +Middle Appalachia +County + +1 = Yes +0 = No + +61 + +1 + +county_persistent_ +poverty + +Persistent Poverty County 1 = Yes +0 = No + +Property value is reported as the midpoint for +the $10,000 interval into which the reported +value falls. +Property is located in this geographical area +that the Duty to Serve regulation (12 CFR +1282.31-1282.41) identifies for Enterprise +efforts. The values for this field are supplied +by FHFA. +Property is located in this geographical area +that the Duty to Serve regulation (12 CFR +1282.31-1282.41) identifies for Enterprise +efforts. The values for this field are supplied +by FHFA. +Property is located in this geographical area +that the Duty to Serve regulation (12 CFR +1282.31-1282.41) identifies for Enterprise +efforts. The values for this field are supplied +by FHFA. +Property is located in this geographical area +that the Duty to Serve regulation (12 CFR +1282.31-1282.41) identifies for Enterprise +efforts. The values for this field are supplied +by FHFA. + +SF CTF + +31 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +Census Tract File + +Header Name + +Field Name + +Values + +Description / Comments + +Federal Housing +Finance Agency + +Field # Field +Width +1 + +62 + +area_concentrated_ +poverty + +Area of Concentrated +Poverty + +1 = Yes +0 = No + +63 + +1 + +area_high_opp + +High Opportunity Area + +64 + +1 + +tract_colonias + +Colonias Tract + +1 = Yes +0 = No + +1 = Yes +0 = No + +Property is located in this geographical area +that the Duty to Serve regulation (12 CFR +1282.31-1282.41) identifies for Enterprise +efforts. The values for this field are supplied +by FHFA. +Property is located in this geographical area +that the Duty to Serve regulation (12 CFR +1282.31-1282.41) identifies for Enterprise +efforts. The values for this field are supplied +by FHFA. +Property is located in this geographical area +that the Duty to Serve regulation (12 CFR +1282.31-1282.41) identifies for Enterprise +efforts. The values for this field are supplied +by FHFA. diff --git a/chunks/txt/1810dd042eb6b17e8215efe3b1e21826fec673be6de6a80a000334c134575cf3.txt b/chunks/txt/1810dd042eb6b17e8215efe3b1e21826fec673be6de6a80a000334c134575cf3.txt new file mode 100644 index 0000000000000000000000000000000000000000..193bf532ff4b3f0895f131369b34ac389e5757da --- /dev/null +++ b/chunks/txt/1810dd042eb6b17e8215efe3b1e21826fec673be6de6a80a000334c134575cf3.txt @@ -0,0 +1,101 @@ +Assignment Reason: Refinance +Property Valuation Method: Traditional Appraisal +Construction Method: Site Built +Appraisal is made As Is, with no Defects, Damages, or Deficiencies +Sales Comparison Approach section includes Additional Properties Analyzed Not Used +Revision History including Borrower-Initiated Reconsideration of Value + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the URAR. + +The URAR sample scenario begins on the next page. +This cover section, including Introduction and Key Characteristics, +is not part of the URAR. + +Uniform Residential Appraisal Report + +213 TREE STAND RD, ANYTOWN, MD 09992 + +SUMMARY + +Opinion of Market Value + +$350,000 + +Market Value Condition + +As Is + ++.5 li # + +only in + +Summary + +Effective Date of Appraisal +Assignment Reason +Borrower Name +Current Owner of Public Record +Listing Status + +03/03/2024 +Refinance +Jane Doe +Jane Doe +None + +Property Valuation Method +Appraiser Name + +Traditional Appraisal +John Appraiser + +Property Description + +Construction Method +Attachment Type + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Subject Site Owned in Common + +Site Built +Detached + +Overall Quality +Overall Condition + +Q4 +C3 + +Yes No +  +  +  +  +  + +Yes No +  + +This is where the Dwelling Front photo would display. + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised + +1 +0 +Fee Simple + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? + +Zoning Compliance + +Legal + +Apparent Defects, Damages, Deficiencies Requiring Action diff --git a/chunks/txt/18158cfc334849c53792012f6502eb7c0dbc35882151f5c3c11caf7f92a4103c.txt b/chunks/txt/18158cfc334849c53792012f6502eb7c0dbc35882151f5c3c11caf7f92a4103c.txt new file mode 100644 index 0000000000000000000000000000000000000000..6dd2eb30eb77120e23332fb981374c7426d31cc5 --- /dev/null +++ b/chunks/txt/18158cfc334849c53792012f6502eb7c0dbc35882151f5c3c11caf7f92a4103c.txt @@ -0,0 +1,5 @@ +Functional Obsolescence Commentary .................................................................................................................................................................................... 201 + +Functional Obsolescence Exhibits ............................................................................................................................................................................................ 201 + +12 Outbuilding ..................................................................................................................................................................................................................................... 202 diff --git a/chunks/txt/1816c22662c3fe78438cd95cea7c65c4ea4e8cc4eebc344908392081d1d793be.txt b/chunks/txt/1816c22662c3fe78438cd95cea7c65c4ea4e8cc4eebc344908392081d1d793be.txt new file mode 100644 index 0000000000000000000000000000000000000000..3e88b71da4252b319abacb0e338bcba378e07837 --- /dev/null +++ b/chunks/txt/1816c22662c3fe78438cd95cea7c65c4ea4e8cc4eebc344908392081d1d793be.txt @@ -0,0 +1,50 @@ +Uniform Appraisal Dataset (UAD) Specification +Issued by Fannie Mae and Freddie Mac +Inspection and Reporting Tips for Appraisers +Document Version 1.0 +October 21, 2025 + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal +Housing Finance Agency. +© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +Revision History + +Date + +Version # + +Description + +10/21/2025 + +1.0 + +Initial publication + +Introduction + +The purpose of this document is to assist the appraiser by highlighting the notable differences between +UAD 3.6 and UAD 2.6, and direct the appraiser to appropriate section(s) in the Uniform Residential +Appraisal Report (URAR) Reference Guide on the Fannie Mae and Freddie Mac UAD web pages. + +The document offers tips for different sections within the URAR that may be helpful to an individual who +is completing various aspects of an appraisal assignment. + +• + +Inspection Tips: When physically inspecting the property, or + +• Reporting Tips: When researching and completing the URAR, including new information that may + +require research from a website, the homeowner, or other source. + +Items to Note: + +• When there are no material differences between UAD 3.6 and UAD 2.6 with respect to + +information collected, those URAR sections are omitted from this document. For example, the +information collected for “Assignment Information” is not included below because it’s very +similar between UAD 3.6 and UAD 2.6. + +• Review the URAR Reference Guide chapters 22 through 24 to understand the dynamic nature of diff --git a/chunks/txt/183f6ac02719cea048c2f2100d92eb7e83616f3afcb5af46052e24fe544713e3.txt b/chunks/txt/183f6ac02719cea048c2f2100d92eb7e83616f3afcb5af46052e24fe544713e3.txt new file mode 100644 index 0000000000000000000000000000000000000000..5c7ab4b0ccbee5d6fb281132b01a3051a2a5faa1 --- /dev/null +++ b/chunks/txt/183f6ac02719cea048c2f2100d92eb7e83616f3afcb5af46052e24fe544713e3.txt @@ -0,0 +1,164 @@ +150 + +String + +This field should indicate the data sources for the subject prior sale history. + +Boolean + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +One and only one of fields 2-108, 2-109 +(values of Subject Has Prior Sales Indicator) +must be indicated. + +CR + +T + +CR + +T + +CR + +T + +362 + +2 + +102 + +SALES +COMPARISON +APPROACH + +Adjusted Sales Price +Negative + +Sales Price Total +Adjustment Positive +Indicator + +363 + +2 + +103 + +SALES +COMPARISON +APPROACH + +Net Adjustment + +Sale Price Total +Adjustment Amount + +364 + +2 + +103a + +SALES +COMPARISON +APPROACH + +Net Adjustment +Percentage + +Sale Price Total +Adjustment Net +Percent + +365 + +2 + +103b + +SALES +COMPARISON +APPROACH + +Gross Adjustment +Percentage + +Sales Price Total +Adjustment Gross +Percent + +Adjusted Sale Price of +Comparables + +Adjusted Sales Price +Amount + +Sales History +Researched Indicator + +Sales History +Researched Indicator + +Sales History Not +Researched Comment + +I did research the sale or +transfer history of the +subject property and +comparable sales. +I did not research the +sale or transfer history of +the subject property and +comparable sales. +I did not research the +sale or transfer history of +the subject property and +comparable sales. If not, +explain. +My research did reveal +any prior sales or +transfers of the subject +property for the three +years prior to the +effective date of this +appraisal. +My research did not +reveal any prior sales or +transfers of the subject +property for the three +years prior to the +effective date of this +appraisal. +Subject Prior Sales +History +Data Source(s) + +366 + +367 + +368 + +369 + +2 + +2 + +2 + +2 + +104 + +105 + +106 + +107 + +370 diff --git a/chunks/txt/1853217dbba4c2685845263a9690e6cf97036c8e665209b1fb6fa8e8b01b11f9.txt b/chunks/txt/1853217dbba4c2685845263a9690e6cf97036c8e665209b1fb6fa8e8b01b11f9.txt new file mode 100644 index 0000000000000000000000000000000000000000..0b8a4221e3e6e27876fb7bfec0db0dd1608d1cd7 --- /dev/null +++ b/chunks/txt/1853217dbba4c2685845263a9690e6cf97036c8e665209b1fb6fa8e8b01b11f9.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/regulation/rulemaking" +date_accessed: "2026-01-27T17:47:54.516Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/18578e7dac1605d819345f5307582f090dc02b676e1a6c7035f3fef7531ac7f4.txt b/chunks/txt/18578e7dac1605d819345f5307582f090dc02b676e1a6c7035f3fef7531ac7f4.txt new file mode 100644 index 0000000000000000000000000000000000000000..ca883551eeafbf57f00bfeab24a549f17166f49e --- /dev/null +++ b/chunks/txt/18578e7dac1605d819345f5307582f090dc02b676e1a6c7035f3fef7531ac7f4.txt @@ -0,0 +1,50 @@ +Certification +Fannie Mae MH Advantage + +Identifier +SAB032251MLAX + +Freddie Mac CHOICEHome + +CH1000001 + +Manufactured Home Commentary + +The subject is a manufactured home that was built to HUD Code and structurally designed and constructed to accommodate site-built +features. Specifically, for the subject, the attached garage and front porch which were constructed at the time of installation. + +CHOICEHome and MH Advantage manufactured homes are constructed with features and characteristics that exceed the minimum HUD +Code. This may include drywall interiors, elevated roof pitch, higher standard energy efficiency features, greater R-value insulation, and +upgraded plumbing fixtures and cabinetry. Each MH Advantage or CHOICEHome must have at least two of the following features: attached +garage or carport, roof dormers or porch. These homes may also have solid surface counters and vaulted, tray, or beamed ceilings along with +other quality upgrades. + +Manufactured Home Exhibits + +HUD Data Plate + +HUD Certification Label - Section 1 + +This is where the HUD Data Plate photo would display. + +This is where the HUD Certification Label would display. + +Appraiser Reference ID SRO-123345Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2) + +Uniform Residential Appraisal Report + +Page 7 of 20 + +Manufactured Home (continued) + +HUD Certification Label - Section 2 + +Manufactured Home Certification + +This is where the HUD Certification Label would display. + +Manufactured Home Certification + +Skirting + +This is where the Skirting photo would display. diff --git a/chunks/txt/1865ed963fcb833b3d6562e7f6c68fb2d8ff8fb3bb27f00146dc934edd942091.txt b/chunks/txt/1865ed963fcb833b3d6562e7f6c68fb2d8ff8fb3bb27f00146dc934edd942091.txt new file mode 100644 index 0000000000000000000000000000000000000000..8a517b18d408b80e3ea4b95cb3f6ea693a770f39 --- /dev/null +++ b/chunks/txt/1865ed963fcb833b3d6562e7f6c68fb2d8ff8fb3bb27f00146dc934edd942091.txt @@ -0,0 +1,3 @@ +Vehicle Storage ........................................................................................................................................................................................................................... 59 + +Subject Property Amenities ........................................................................................................................................................................................................ 60 diff --git a/chunks/txt/186c5e1ec035cc4168a666843d7f6c90853116384717d5e6f10a3ea6d5fdb58f.txt b/chunks/txt/186c5e1ec035cc4168a666843d7f6c90853116384717d5e6f10a3ea6d5fdb58f.txt new file mode 100644 index 0000000000000000000000000000000000000000..e683abc428285a1557d7a67d563a104070eb9e74 --- /dev/null +++ b/chunks/txt/186c5e1ec035cc4168a666843d7f6c90853116384717d5e6f10a3ea6d5fdb58f.txt @@ -0,0 +1,112 @@ +after first change for 24 months + +20.6 Limits on Interest Rate Changes – First Change +20.7 Limits on Interest Rate Changes – Second Change + +1The change frequency noted here can apply to the subsequent adjustment because the change frequency does not change +throughout step rate period (every year after initial 1-year period) for 24 months. + +The data points used to provide this information are shown in the table below. The Loan Terms table Form Field +IDs have been included where applicable to help emphasize that the data points are provided only once in the +XML file. Note that instead of the INTEREST_RATE_ADJUSTMENT structure, the BUYDOWN structure is used. + +Table 146. Temporary Buydown Subsidy Loan + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +20.2 | +4.2.1 + +Initial Interest Rate …/BUYDOWN/BUY +DOWN_OCCURREN +CES/BUYDOWN_O +CCURRENCE + +20.3 Minimum / + +Maximum Interest +Rate + +BuydownInitialEffe +ctiveInterestRatePe +rcent + +2.8750 + +ROF as “2.875%” + +20.4 | +4.2.3(1) + +Change Frequency +– First Change + +…/ +BUYDOWN/BUYDO +WN_RULE + +BuydownChangeFr +equencyMonthsCo +unt + +12 + +20.5 + +Change Frequency +– Subsequent +Change + +ROF as “Beginning +of 13th Month” + +ROF as “Every 12th +month after first +change” + +Appendix E: UCD Implementation Guide + +Page 216 of 254 + +Version 1.4 + +Uniform Closing Dataset + +20.0 Adjustable Interest Rate (AIR) Table + +Table 146. Temporary Buydown Subsidy Loan + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +Limits on Interest +Rate Changes – +First | Subsequent + +Interest Rate +Adjustments (#) diff --git a/chunks/txt/188caf53e9eb3d6cf481d274e33d9f19389f220fe207f9ed1d3b3336816983f0.txt b/chunks/txt/188caf53e9eb3d6cf481d274e33d9f19389f220fe207f9ed1d3b3336816983f0.txt new file mode 100644 index 0000000000000000000000000000000000000000..2837301a23f1907f6bd9fec3b3e96effb5f8076b --- /dev/null +++ b/chunks/txt/188caf53e9eb3d6cf481d274e33d9f19389f220fe207f9ed1d3b3336816983f0.txt @@ -0,0 +1,21 @@ +INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this +appraisal for a mortgage finance transaction. + +INTENDED USER: The intended user of this appraisal report is the lender/client. + +DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market +under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not +affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title +from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well +advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in +the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; +and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales +concessions* granted by anyone associated with the sale. + +*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are +necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily +identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be +made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already +involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the +financing or concession but the dollar amount of any adjustment should approximate the market’s reaction to the financing or +concessions based on the appraiser’s judgment. diff --git a/chunks/txt/18919dd1437b4a18285271c48feb94dfb3110e8a262373db3c71472de39aab36.txt b/chunks/txt/18919dd1437b4a18285271c48feb94dfb3110e8a262373db3c71472de39aab36.txt new file mode 100644 index 0000000000000000000000000000000000000000..3f872e7534f07779b885cf745fd294aa9e7a7e4f --- /dev/null +++ b/chunks/txt/18919dd1437b4a18285271c48feb94dfb3110e8a262373db3c71472de39aab36.txt @@ -0,0 +1,5 @@ +Footer ..................................................................................................................................................................................................................................... 8 + +01 Subject Property _________________________________________________________________________________________________________ 9 + +Overview ................................................................................................................................................................................................................................ 9 diff --git a/chunks/txt/1894484714983148c1bbcae3e833b4d0fe09a420b8a8ab146e1b251091f7dbd3.txt b/chunks/txt/1894484714983148c1bbcae3e833b4d0fe09a420b8a8ab146e1b251091f7dbd3.txt new file mode 100644 index 0000000000000000000000000000000000000000..e4f6bfdd9a338e887f27d99c29f5d23c8ca9c4a2 --- /dev/null +++ b/chunks/txt/1894484714983148c1bbcae3e833b4d0fe09a420b8a8ab146e1b251091f7dbd3.txt @@ -0,0 +1,131 @@ +Manufactured + +Manufactured + +Manufactured + +Site Built + +Site Built + +Subject Site Owned in Common + +(UID: 0100.0047, FID: 1.020) + +No + +Project Legal Structure + +(UID: 2500.0168, FID: 1.016, 1.017, 1.018) + +Condominium + +No + +__ + +Condominium + +Cooperative + +Cooperative + +Cooperative + +Units Excluding ADUs + +(UID: 0100.0022, FID: 1.021) + +Accessory Dwelling Units + +(UID: 0100.0019, FID: 1.022) + +1 + +2, 3, or 4 + +1 + +1 + +1 + +1 + +0 or 1 + +0 or 1 + +0 or 1 + +0 or 1 + +0 or 1 + +0 or 1 + +c +e +p +S +y +r +e +v +i +l + +e +D +D +A +U +m +o +r +f +n +o +i +t +a +m +r +o +f +n + +I + +i + +t +n +o +P +a +t +a +D +y +t +r +e +p +o +r +P +t +n +a +v +e +e +R + +l + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency. +©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +10 diff --git a/chunks/txt/18a3e92fec4552ebec887ff525c0a04e248d8ae6730865aa1d0e301c75c35c49.txt b/chunks/txt/18a3e92fec4552ebec887ff525c0a04e248d8ae6730865aa1d0e301c75c35c49.txt new file mode 100644 index 0000000000000000000000000000000000000000..9c145a240b3dec07cadb1edfa1a3c9c9a7f59ed6 --- /dev/null +++ b/chunks/txt/18a3e92fec4552ebec887ff525c0a04e248d8ae6730865aa1d0e301c75c35c49.txt @@ -0,0 +1,23 @@ +• Damaged or failing foundation + +• No functional kitchen or bathrooms + +Identifying Dwelling Condition + +As previously noted, the condition rating(s) selected must reflect the condition(s) of the dwelling(s). It would be inappropriate to +select either a lower or higher overall rating on the basis of one or two minor inferior or superior areas of the dwelling. However, +the C6 rating is an exception because it indicates that the dwelling is impacted by one or more deficiencies that negatively affect +the soundness or structural integrity of the dwelling. As a result, if any portion of the dwelling is rated a C6, the whole dwelling +must be rated a C6. + +Loans secured by properties with a condition rating of C6 are not eligible for sale to Fannie Mae. Any defect, damage, or deficiency +impacting the soundness or structural integrity of the dwelling must be repaired with a resulting minimum condition rating of C5 +prior to sale of the loan. See Defect, Damage, or Deficiency in this topic for information related to completing appraisals on +properties with soundness or structural integrity deficiencies. + +Definitions of Not Updated, Partially Updated, Moderately Updated, Significantly Updated, and Fully Updated Kitchen and +Bathroom(s) + +As a subset of identifying the condition of the subject dwelling(s), the appraiser must also identify the level of updating, if any, +that the kitchen and bathroom(s) has received by utilizing the definitions in the room update status and overall update status for +bathrooms tables contained in the Unit Interior section of Appendix F-1: URAR Reference Guide. diff --git a/chunks/txt/18b77793611d06c3d86941e4f5b33abe0790bdc14106c37a7a35e9d326bd2565.txt b/chunks/txt/18b77793611d06c3d86941e4f5b33abe0790bdc14106c37a7a35e9d326bd2565.txt new file mode 100644 index 0000000000000000000000000000000000000000..1a0cedec8b8c71e63dec214656422bfbcd94da88 --- /dev/null +++ b/chunks/txt/18b77793611d06c3d86941e4f5b33abe0790bdc14106c37a7a35e9d326bd2565.txt @@ -0,0 +1,32 @@ +DU for Government Loans Release Notes +January 2024 Release + +Jan. 3, 2024 + +During the weekend of Jan. 20, 2024, Desktop Underwriter® (DU®) for government loans will be updated to support FHA and VA +changes. + +N O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.” + +FHA Loan Limits + +FHA county loan limits are applied by the FHA TOTAL mortgage scorecard, so a DU update is not required for FHA’s 2024 county +loan limit updates. + +However, in cases where a property county cannot be determined, DU applies the FHA National Low Cost Area Limit and the FHA +National Low Cost Area Limit amounts will be updated in DU as part of this release to reflect the new values. In these cases, DU +will display the 2023 limit on FHA loan casefiles submitted or resubmitted prior to the weekend of Jan. 20 where a property +county cannot be determined, regardless of Agency Case Number assignment date. For FHA loan casefiles submitted or +resubmitted on or after the weekend of Jan. 20 where a property county cannot be determined, DU will display the 2024 FHA +National Low Cost Area Limit, regardless of Agency Case Number assignment date. Lenders are responsible for verifying that the +correct limit is applied when determining eligibility. + +VA 2024 County Loan Limit Changes + +The 2024 county loan limits are available on VA’s website. + +VA loan casefiles submitted or resubmitted prior to the weekend of Jan. 20 will be underwritten using the 2023 VA county loan +limits. All VA loan casefiles submitted or resubmitted on or after the weekend of Jan. 20 will be underwritten using the 2024 VA +county loan limits. Because the 2024 VA county loan limits will not be implemented on the date they are in effect, lenders are +responsible for ensuring that the correct VA county loan limit is applied to all VA loans underwritten through DU from Jan. 1 +through Jan. 20. diff --git a/chunks/txt/18b99704c2c757f4061b9409b3e739b11082c69a963315b9d7c9e50c9441809c.txt b/chunks/txt/18b99704c2c757f4061b9409b3e739b11082c69a963315b9d7c9e50c9441809c.txt new file mode 100644 index 0000000000000000000000000000000000000000..f9455412ef1b8eff8a7f392c8bf2bb3126436573 --- /dev/null +++ b/chunks/txt/18b99704c2c757f4061b9409b3e739b11082c69a963315b9d7c9e50c9441809c.txt @@ -0,0 +1,25 @@ +[]() + +![image](/sites/g/files/koqyhd181/files/2025-11/CS2510-3787100%20Loan%20Limits%202026_marquee.png) + +## Loan limits increase for 2026 + +U.S Federal Housing (FHFA) has published the conforming loan limits for 2026. + +[Learn more ****](/originating-underwriting/loan-limits) + +![image](/sites/g/files/koqyhd181/files/2025-11/woman-handshake-marquee%20%281%29.jpg) + +## Now available in Desktop Underwriter + +Take control of repurchase risk due to undisclosed debt and boost confidence in your loan quality earlier in the process with Desktop Underwriter®’s newest enhancement.​ + +[Learn more ****](/applications-technology/desktop-underwriter-desktop-originator/undisclosed-liabilities) + +![image](/sites/g/files/koqyhd181/files/2025-11/CS2510-3809950%20C-to-P%20SF%20Marquee_FD.jpg) + +## A boost for housing supply and homeownership + +.hero--homepage img{height: 580px; min-height: auto;} @media(min-width: 420px){ .hero--homepage img{height: 480px;} } @media(min-width: 768px){ .hero--homepage img{height: 410px;} } @media(min-width: 800px){ .hero--homepage img{height: 465px;} } @media(min-width: 992px){ .hero--homepage img{height: 430px;} } @media(min-width: 1120px){ .hero--homepage img{height: 100%;} } .hero--homepage .hero__content h2.hero__title{line-height: .98em;} New policy updates deliver greater certainty and flexibility for construction financing to help meet the needs of today's lenders and borrowers. + +[Learn more ****](https://singlefamily.fanniemae.com/originating-underwriting/mortgage-products/construction-products) diff --git a/chunks/txt/18cb3be6c996fd9e8699574c806800b92dcab9633bcb6f3352639ef790b7c8e6.txt b/chunks/txt/18cb3be6c996fd9e8699574c806800b92dcab9633bcb6f3352639ef790b7c8e6.txt new file mode 100644 index 0000000000000000000000000000000000000000..a515c8cd595af10eb3087b3b242307c5f74800a1 --- /dev/null +++ b/chunks/txt/18cb3be6c996fd9e8699574c806800b92dcab9633bcb6f3352639ef790b7c8e6.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/nsmo" +date_accessed: "2026-01-27T17:47:50.477Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/18e4f83a48542fff23da271b9caf2fc9ea4427ed93d2f646192575b6d209af3f.txt b/chunks/txt/18e4f83a48542fff23da271b9caf2fc9ea4427ed93d2f646192575b6d209af3f.txt new file mode 100644 index 0000000000000000000000000000000000000000..d4a9632ef2cd7389e67d642bb7e81792c79302f8 --- /dev/null +++ b/chunks/txt/18e4f83a48542fff23da271b9caf2fc9ea4427ed93d2f646192575b6d209af3f.txt @@ -0,0 +1,91 @@ +Interest Rate: Interest Rate is a new +HMDA data element that reports the +actual note rate on the loan as a +percentage to at least three decimal +places.133 The Enterprises collect this +data element. Interest Rate will be +disclosed in the PUDB Multifamily +Census Tract File without modification, +in conformance with the CFPB Privacy +Guidance.134 + +Non-Amortizing Features: Non- +Amortizing Features is a new HMDA +data element that indicates whether the +loan has non-amortizing loan features, +including Balloon Payment, Interest- +Only Payments, Negative Amortization, +or Other Non-Amortizing Feature.135 + +128 84 FR at 656. +129 12 CFR 1003.4(a)(28). +130 84 FR at 663. +131 12 CFR 1003.4(a)(24). Some multifamily CTLV + +data reported by the Enterprises may reflect +multiple loans and/or multiple properties. + +132 84 FR at 656. +133 12 CFR 1003.4(a)(21); CFPB, 2018 Reportable +HMDA Data: A Regulatory and Reporting Overview +Reference Chart at 27, https:// +files.consumerfinance.gov/f/documents/201710_ +cfpb_reportable-hmda-data_regulatory-and- +reporting-overview-reference-chart.pdf (Aug. 31, +2018). + +134 84 FR at 656. +135 12 CFR 1003.4(a)(27). + +VerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00045 Fmt 4703 Sfmt 4703 E:\FR\FM\03JNN1.SGM 03JNN1 + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +2 +4 +C +V +5 +F +9 +K +S +D +n +o + +r +e +t +t +o + +l + +Federal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices + +34205 + +The Enterprises indicated that they +collect the same HMDA data values for +this data element. Accordingly, Non- +Amortizing Features will be disclosed +without modification in the PUDB +Multifamily Census Tract File, in +conformance with the CFPB Privacy +Guidance.136 diff --git a/chunks/txt/18e8c2354fd7bacfb3165c6df4ac979b725b258a0c73d8ea90c23871415c8cf3.txt b/chunks/txt/18e8c2354fd7bacfb3165c6df4ac979b725b258a0c73d8ea90c23871415c8cf3.txt new file mode 100644 index 0000000000000000000000000000000000000000..0d21468c1a49855c4479f124628601d84a6c54be --- /dev/null +++ b/chunks/txt/18e8c2354fd7bacfb3165c6df4ac979b725b258a0c73d8ea90c23871415c8cf3.txt @@ -0,0 +1,49 @@ +3. UCD v2.0 Excerpts. + +a. MISMO v3.3.0 Containers: Represented as ALL_CAPS_SEPARATED_BY_UNDERSCORE. Containers must use this + +syntax in the XML file. + +b. MISMO v3.3.0 | EXTENSION Data Points, Attributes and Enumerations: Represented in UpperCamelCase, where + +each word of the term is capitalized with no space separating the words. This syntax must be followed in the XML +file. + +c. For UCD documentation purposes, attributes are also italicized. This is not an XML file requirement. + +d. For UCD documentation purposes, enumerations are also surrounded by double quotes “ “. This is not an XML file + +requirement. + +e. EXTENSIONS: If a container or data point is in an EXTENSION to MISMO v3.3.0, the element is preceded by “gse:” + +or “ucd:” to identify the namespace to which it belongs. + +4. The words “borrower” and “property seller” are used in the singular for ease of reading. It is understood that there can + +be more than one borrower and property seller (for purchases) in a transaction. + +UCD v2.0 Implementation Guide + +- 8 - + +Version 1.0 + +Uniform Closing Dataset + +III. XML File Handling + +III. XML FILE HANDLING + +Containers at the start and the end of the XML file identify the XML and UCD versions and the CD form version used. These +are highlighted in green in Table 4. The containers holding the embedded CD portable document format (.pdf) file are +highlighted in pink. The blue highlighted containers carry the closing data payload and are discussed in V. XML File Data +Payload A to Z. + +Table 3. XML File Handling Container High-Level Structure. + +UCD UIDs + +Containers + +UCD v2.0 UCD Usage Notes diff --git a/chunks/txt/18f54e1636266db74650ce736cd0e72f083f170d3c0dfc4ac5c76516c31f4062.txt b/chunks/txt/18f54e1636266db74650ce736cd0e72f083f170d3c0dfc4ac5c76516c31f4062.txt new file mode 100644 index 0000000000000000000000000000000000000000..9679bebafdcce494c258b0def640baa8bfe658d3 --- /dev/null +++ b/chunks/txt/18f54e1636266db74650ce736cd0e72f083f170d3c0dfc4ac5c76516c31f4062.txt @@ -0,0 +1,49 @@ +• + +Images of comparable properties must be delivered using ImageCategoryType (UID: 1400.0651, FID: Not on report) = +“PropertyPhoto”. + +• When a comparable property has multiple images with the ImageCategoryType = “PropertyPhoto”, only one displays as the + +thumbnail in the Comparable Rental Properties subsection (FID: 23.02.02). + +Appendix B-1: URAR Implementation Guide v1.3 + +Additional Exhibits + +• Any additional images provided for the Rental Information section must be delivered using ImageCategoryType (UID: 1400.0638, + +FID: 23.05.02.1) = “RentalInformationExhibit”. + +• An image caption may be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 23.05.02.2), and displays above + +Page 316 + +the image in bold. + +Rental Information – Arcrole Relationships + +Arcrole relationships, establishes "relationships" or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML +data, specific instances of data points or containers must be connected to properly represent the information. + +• Containers or datapoints to be linked are identified using "xlink:label.” +• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships. + +Rental Comparable - Overall Property Information Data Source + +When the data source is associated with a rental comparable, provide the relationship that joins the applicable instance of PROPERTY where +the ValuationUseType = "RentalComparable". + +Unique ID + +Parent Container + +MISMO Attribute Name + +Supported Attribute Enumerations + +2000.0109 + +RELATIONSHIP + +@xlink:arcrole diff --git a/chunks/txt/1902a10b76b86219365dbc76b6304e056ed013b6517248fd9da01ea8522e9e9f.txt b/chunks/txt/1902a10b76b86219365dbc76b6304e056ed013b6517248fd9da01ea8522e9e9f.txt new file mode 100644 index 0000000000000000000000000000000000000000..e2d3c51e78379fdf08aa1c83d1078b5c21745121 --- /dev/null +++ b/chunks/txt/1902a10b76b86219365dbc76b6304e056ed013b6517248fd9da01ea8522e9e9f.txt @@ -0,0 +1,105 @@ +Price Per Finished Area +Above Grade + +Adjusted Price + +Comparable Weight + +— + +$362,500 + +$360,000 + +$0 + +$290 + +$360,000 + +Most + +$369,900 + +$365,000 + +$(5,500) + +$286 + +$359,500 + +Most + +Indicated Value by Sales Comparison Approach + +Indicated Value + +$350,000 + +Reconciliation of Sales Comparison Approach + +The comparables contain 3 bedrooms and were built in approximately the same time period, offering similar overall utility. No time +adjustments were warranted as there has been no recent measurable change in market prices. Most emphasis is placed on comparables 4 and +5, which although located further away are still within the subject’s market area. + +Additional Properties Analyzed Not Used + +# +1 + +Property Address +442 Jolly Ave +Anytown, MD 09992 + +Sale Date +01/19/2024 + +Status +Settled Sale + +Reason Not Used +Sale or Transfer Type + +Comment +Private sale + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K + +Uniform Residential Appraisal Report + +Page 14 of 19 +Page 14 of 19 + +Sales Comparison Approach (continued) + +PG BRK + +Sales Comparison Map + +This is where the Map of Sales Comparables would display. + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K + +Uniform Residential Appraisal Report + +Page 15 of 19 +Page 15 of 19 + +Sales Comparison Approach (continued) + +Sales Comparison Approach Exhibits + +Comparable #1 + +Comparable #2 + +This is where the Comparable 1 photo would display. + +This is where the Comparable 2 photo would display. + +Comparable #3 + +Comparable #4 + +This is where the Comparable 3 photo would display. diff --git a/chunks/txt/190ce62f148f01c135eb90ed01d77ebfd6e936f436651ce95e1114ca7c522dc0.txt b/chunks/txt/190ce62f148f01c135eb90ed01d77ebfd6e936f436651ce95e1114ca7c522dc0.txt new file mode 100644 index 0000000000000000000000000000000000000000..3481264a3defc40dde647b1fd14499a9c0f0d8d7 --- /dev/null +++ b/chunks/txt/190ce62f148f01c135eb90ed01d77ebfd6e936f436651ce95e1114ca7c522dc0.txt @@ -0,0 +1,147 @@ +CK-H2 + +TXR-B + +Project Blanket Financing + +Pro Rata Share + +TCH +TB + +Lien Detail +Unpaid Principal Balance + +Line of Credit + +Balloon Mortgage + +Remaining Term + +Monthly Payment + +Interest Rate + +Amortization Type + +TB + +Pro Rata Share of Balance +Attributable to Unit + +H1 + +TCH +TB + +Project Factors and Impact to Value/Marketability + +Detail + +Impact + +Comment + +Project Factor +Developer/Sponsor in Control + +Incomplete Project + +Converted in Past 3 Years + +Single Entity Ownership of Multiple +Units + +Single Entity Ownership of Multiple +Shares + +Commercial Space + +Known Legal Actions + +Unit Transfer Fees + +Unit Special Assessments + +TB + +Unit Tax Abatements or Exemptions + +TXC-B + +Project Factors Commentary + +H1 + +Project Information Commentary + +TXC +H1 + +Project Information Exhibits + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +HDR-L + +HDR-R + +2 COLUMN PAGE FORMAT + +TAB + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +TAB-TX + +Current or Relevant Listings + +Data Source + +Listing Status + +Listing Type + +Listing ID + +Start Date + +End Date + +DOM + +Starting +List Price + +Current or +Final List Price + +TXR-B +TXR-I + +TCH +TB + +TXC-B + +Analysis of Subject Property Listing History + +H1 + +Subject Listing Information Exhibits + +TB_sub-H1-R + +Total DOM + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/19222b6e0d020467054a4b5b14c01e1c232a80254effa2a702b91cba9010ca61.txt b/chunks/txt/19222b6e0d020467054a4b5b14c01e1c232a80254effa2a702b91cba9010ca61.txt new file mode 100644 index 0000000000000000000000000000000000000000..c8646be347c4f9d048410f4f665f63b643069d41 --- /dev/null +++ b/chunks/txt/19222b6e0d020467054a4b5b14c01e1c232a80254effa2a702b91cba9010ca61.txt @@ -0,0 +1,122 @@ +3.011 + +LoanIdentifier + +3.012 + +LoanIdentifierType + +…/LOAN_IDENTIFIER + +123456789 + +LenderLoan + +3.014 + +LoanIdentifier + +123456789101112131 + +3.015 + +LoanIdentifierType + +MERS_MIN + +…/LOAN_IDENTIFIER + +UCD v2.0 Implementation Guide + +- 117 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +3.014 + +LoanIdentifier + +3.015 + +LoanIdentifierType + +10Bx939c5543TqA1144M999143X38 The only accepted values in the +UCD XML file are shown under +UCD v2.0 Supported +Enumerations. + +Other + +0.062 + +LoanIdentifierTypeOtherDescription + +UniversalLoan + +Figure 92. XML Snippet - Loan Identifier Data. + + +… + + + + + + + 123456789 + LenderLoan + + + + +123456789101112131 + MERS_MIN + + + 10Bx939c5543TqA1144M999143X38 + Other + UniversalLoan + + + +… + + +UCD v2.0 Implementation Guide + +- 118 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +S. LOAN MATURITY PERIOD DATA + +The MATURITY structure captures the loan term for non-construction loans. For construction loan term data points, see Table +33. + +Table 57. XML File Container Structure for Loan Maturity Period Data. + +UCD UIDs + +Containers + +UCD Usage Notes + +999.243 + +MATURITY + +999.244 + +MATURITY_RULE diff --git a/chunks/txt/19280773fe9176ab16a42af3d13da292160bffa102b1a839ed4a99968653ab6a.txt b/chunks/txt/19280773fe9176ab16a42af3d13da292160bffa102b1a839ed4a99968653ab6a.txt new file mode 100644 index 0000000000000000000000000000000000000000..605b2b69cc2f873ac6f900c9ff9ba4c07a7bdc20 --- /dev/null +++ b/chunks/txt/19280773fe9176ab16a42af3d13da292160bffa102b1a839ed4a99968653ab6a.txt @@ -0,0 +1,4 @@ +--- +source_url: "https://www.facebook.com/FHFA" +date_accessed: "2026-01-27T17:47:50.354Z" +--- diff --git a/chunks/txt/194bea8234b33f8fe0392430dfb721c76e7b27b6e2bbb7dbec3290a7286e8bb3.txt b/chunks/txt/194bea8234b33f8fe0392430dfb721c76e7b27b6e2bbb7dbec3290a7286e8bb3.txt new file mode 100644 index 0000000000000000000000000000000000000000..16f662de2f0c35f9dbada97f089c372cfa908a11 --- /dev/null +++ b/chunks/txt/194bea8234b33f8fe0392430dfb721c76e7b27b6e2bbb7dbec3290a7286e8bb3.txt @@ -0,0 +1,96 @@ +Disclosure version +was issued + +Uniform Closing Dataset + +IV. UCD Data Point Categories + +4. V. Consolidated Mapping Guidance entries for Attributes, Datetime Format, “Other” + Type Other + +Description – UCD Restricted, and PARTIES/PARTY. + +5. SMART Doc® PDF Basic and Retrievable Implementation-Guide at + +http://www.mismo.org/Guidelines/ImplementationGuidelines.htm. + +Appendix E: UCD Implementation Guide + +Page 30 of 254 + +Version 1.4 + +Uniform Closing Dataset + +1.0 Closing Information + +1.0 CLOSING INFORMAT ION + +The Closing Information section is included in the following Closing Disclosure variations: + +Table 6. Closing Disclosure Variations with Section 1.0 + +Form +Field ID + +Form Section Name + +Purchase Transactions Only + +Model Form + +Split-Borrower Only + +Non-Seller Transactions +Only Alternate Form + +1.0 + +Closing Information + +✓ + +✓ + +1.7 label variation + +The Closing Information section provides information about the settlement transaction, applicable dates, and +the property that will be held as collateral for the loan. + +1.0 Closing Information + +1.1 Date Issued + +1.2 Closing Date + +4/15/2018 + +4/18/2018 + +1.3 Disbursement Date + +4/19/2018 + +1.4 Settlement Agent + +Epsilon Title Company + +1.5 File # + +12-3456 + +1.6 Property + +456 Somewhere Avenue, Unit# 284 +Anytown, ST 12345 + +1.7 Sale Price $240,000 + +Figure 7. Closing Information Section + +1. 1 DATE I SSUED + +Date Issued indicates when the Closing Disclosure was provided to the borrower (and seller) in accordance with +the Regulation. + +Table 7 shows that this data point is within the DOCUMENT_ SPECIFIC structure because Date Issued relates +specifically to the Closing Disclosure. See DO CUMENT SPECIFIC DATA in Section V. diff --git a/chunks/txt/194fdf10736325390ceeccd7c9594671263138791f6d33e43eade1f12a7356e1.txt b/chunks/txt/194fdf10736325390ceeccd7c9594671263138791f6d33e43eade1f12a7356e1.txt new file mode 100644 index 0000000000000000000000000000000000000000..e713915e827949fe1337d0de08af68bdb00eaf0b --- /dev/null +++ b/chunks/txt/194fdf10736325390ceeccd7c9594671263138791f6d33e43eade1f12a7356e1.txt @@ -0,0 +1,93 @@ +Cost Approach + +Not Necessary for Credible Results + +Not Necessary for Credible Results + +$489,000 +$491,000 +Subject to Repair + +Reasonable Exposure Time +Effective Date of Appraisal + +0–90 days +09/20/2019 + +Final Value Condition Statement This appraisal is made subject to the itemized list of repairs or alterations below on the basis of a +hypothetical condition that the repairs or alterations have been completed in a professional manner. This might have affected the assignment +results. + +Reconciliation of Market Value + +Utilize this subsection for additional commentary as required by USPAP. + +Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 18 of 21 +Page 18 of 21 + +Reconciliation (continued) + +Apparent Defects, Damages, Deficiencies + +The items listed below represent the As Is condition as of the effective date of this report + +Feature +Dwelling Exterior + +Location + +Description + +Roof + +Section of Roof + +Roof is significantly worn and has +damaged flashing, but no apparent +active leaks. + +Affects Soundness +or Structural +Integrity + +Recommended +Action + +Estimated Cost to +Repair + +Yes + +Repair + +$1,500 + +Unit Interior + +Flooring + +Dining Room + +Carpet is stained in one corner of the +Dining Room. + +No + +None + +Total Cost + +$1,500 + +As Is Overall Condition Rating + +C5 + +Existing condition of the property as of the effective date of this +appraisal, excluding all required repairs, alterations, or inspections + +Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/196a7b1f6404dfbcdc2687706853ae384949e23ec560839bc05062fb93c768e3.txt b/chunks/txt/196a7b1f6404dfbcdc2687706853ae384949e23ec560839bc05062fb93c768e3.txt new file mode 100644 index 0000000000000000000000000000000000000000..9cb7e0237e0c727d3fa7630c9eac130b04f1da0d --- /dev/null +++ b/chunks/txt/196a7b1f6404dfbcdc2687706853ae384949e23ec560839bc05062fb93c768e3.txt @@ -0,0 +1,141 @@ +04.024 + +04.025 + +Update Version # + +HF.002 + +Fannie Mae | Freddie Mac +(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21) + +HF.003 +HF.004 + +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +HF.005 +HF.006 +HF.007 +HF.008 + +Restricted Appraisal Update Report + +HF.001 + +Page [Page] of [Pages] + +Supervisory Appraiser + +Name +Designation +Company Name +Company Address + +04.026 + +04.027 + +04.028 + +04.029 + +Scope of Inspection by Supervisory Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +04.030 + +04.031 +04.032 + +Significant Real Property Appraisal Assistance + +Name + +04.041 + +Description +04.046 + +Assignment Information and Scope of Work Commentary + +04.047 + +Credentials + +Level +ID +State +Expires + +04.033 + +04.034 + +04.035 + +04.036 + +ASC Identifier +VA Appraiser ID +FHA Appraiser ID +Employment Type + +Credentials + +Level +ID +State +Expires + +04.042 + +04.043 + +04.044 + +04.045 + +Update Version # + +HF.002 + +Fannie Mae | Freddie Mac +(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21) + +HF +HF.004 + +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +HF.005 +HF.006 +HF.007 +HF.008 + +Restricted Appraisal Update Report + +HF.001 + +Page [Page] of [Pages] + +Scope of Work + +05.001 + +The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users, the +intended use, the definition of market value as defined in the Uniform Residential Appraisal Report, the effective date, the subject property +and its relevant characteristics, and the applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate +and reliable information for the subject property; (2) research, verify, and analyze adequate and reliable data for the subject market area +including data for each comparable property reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report. diff --git a/chunks/txt/19720d5f3ccb3e1a2046804d6c480aef786cf84fed6d7b969700bcf37ae60358.txt b/chunks/txt/19720d5f3ccb3e1a2046804d6c480aef786cf84fed6d7b969700bcf37ae60358.txt new file mode 100644 index 0000000000000000000000000000000000000000..3cbdb79c9280e783afc38a58d942b7d32567f416 --- /dev/null +++ b/chunks/txt/19720d5f3ccb3e1a2046804d6c480aef786cf84fed6d7b969700bcf37ae60358.txt @@ -0,0 +1,91 @@ +Enumerated + +UAD Requirement - Refer to Appendix D Reconcilliation Section +A separate Valuation Reconciliation Condition of Appraisal element must be populated +for each box that is checked. + +Enumerated + +UAD Requirement - Refer to Appendix D Reconciliation Section +A separate Valuation Reconciliation Condition of Appraisal element must be populated +for each box that is checked. + +476 + +3 + +131 + +RECONCILIATION Comment Area + +Valuation +Reconciliation +Conditions +Comment + +A free-form text field used to summarize +and clarify the conditions of the subject +property upon which its valuation is +based. + +/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/@_Conditions +Comment + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +T + +T + +T + +R + +T + +T + +CR + +CR + +CR + +CR + +T + +Should be populated if there is an indicated +value in field 3-122. + +Either field 3-127 (Valuation Reconciliation +Condition of Appraisal Type = 'AsIs'), or at +least one of fields 3-128, 3-129 , 3-130 +(other values of Valuation Reconciliation +Condition of Appraisal Type) must be +indicated. If field 3-127 is indicated, then +none of fields 3-128, 3-129 , 3-130 may be +indicated. + +Either field 3-127 (Valuation Reconciliation +Condition of Appraisal Type = 'AsIs'), or at +least one of fields 3-128, 3-129 , 3-130 +(other values of Valuation Reconciliation +Condition of Appraisal Type) must be +indicated. If field 3-127 is indicated, then +none of fields 3-128, 3-129 , 3-130 may be +indicated. + +Either field 3-127 (Valuation Reconciliation +Condition of Appraisal Type = 'AsIs'), or at +least one of fields 3-128, 3-129 , 3-130 +(other values of Valuation Reconciliation +Condition of Appraisal Type) must be +indicated. If field 3-127 is indicated, then +none of fields 3-128, 3-129 , 3-130 may be +indicated. diff --git a/chunks/txt/1980b999115996ed5031f4a637080923e8be9c2ce50a48c90473fa98feb2431a.txt b/chunks/txt/1980b999115996ed5031f4a637080923e8be9c2ce50a48c90473fa98feb2431a.txt new file mode 100644 index 0000000000000000000000000000000000000000..18a583337bd7b0f0055e22dd6f848e009ccb8b34 --- /dev/null +++ b/chunks/txt/1980b999115996ed5031f4a637080923e8be9c2ce50a48c90473fa98feb2431a.txt @@ -0,0 +1,79 @@ +A. MAPPI NG GUI DANCE + +The MISMO v3.3.0 definition for DeficiencyRightsPreservedIndicator is “When true, indicates that upon the +foreclosure sale completion deficiency rights against the borrowers are preserved.” Note that the data point is +talking about the lender’s rights, so a “true” answer here means that state law does not protect the borrower’s +rights. + +B. FOR MORE I NFORMATI ON + +22.0: §1026.38(p) pp. 80128, 80360, 80045; Cross Reference to §1026.37(m) pp. 80119, 80347, 79985. + +22.1: §1026.38(p)(3) pp. 80128, 80360, 80046-7; Cross Reference to §1026.37(m)(7) pp. 80120, 80348, 79990-1. + +Appendix E: UCD Implementation Guide + +Page 223 of 254 + +Version 1.4 + +Uniform Closing Dataset + +23.0 Contact Information + +23.0 CONTACT INFORMATION + +The Contact Information table is included in the following Closing Disclosure variations: + +Table 150. Required Sections for each Closing Disclosure Variation -- UPDATED + +Form +Field ID + +Form Section Name + +Purchase Transactions Only + +Model Form + +Split-Borrower Only + +Non-Seller Transactions Only +Alternate Form + +23.0 + +Contact Information + +Lender + +Lender + +Lender + +Settlement Agent + +Settlement Agent + +Settlement Agent + +As applicable: Mortgage +Broker + +As applicable: Mortgage +Broker + +As applicable: Mortgage +Broker + +Real Estate Broker (B) Real +Estate Broker (S) + +Real Estate Broker (B) +Real Estate Broker (S) + +23. 0. 1 – 23. 0. 5 CONTACT I NFORMATI ON PARTI ES - UPDATED + +The Contact Information table requires that both the organizational contact and individual contact information +be provided for the following parties to the transaction as applicable. The GSEs do not require the grayed out +fields. diff --git a/chunks/txt/19891f0ba8f132f2d6845d825d8793db29bcf852cd275ae89fb6110373b8187b.txt b/chunks/txt/19891f0ba8f132f2d6845d825d8793db29bcf852cd275ae89fb6110373b8187b.txt new file mode 100644 index 0000000000000000000000000000000000000000..1175f5ca674bf4fc089c120d0db316a8468fddc9 --- /dev/null +++ b/chunks/txt/19891f0ba8f132f2d6845d825d8793db29bcf852cd275ae89fb6110373b8187b.txt @@ -0,0 +1,43 @@ +© 2023 Fannie Mae 12.14.23 Page 2 of 5 + +joint announcement on the UCD Critical Edits Transition Resources page for additional resources. + +July 21 + +UCD Data Quality + +To further refine UCD data quality, the following new edit will be added to UCD as warning severity on July 21. + +Edit 3674: When the Loan Discount Points Fee Total Percent is greater than 0, the Note Rate Percent cannot equal the Loan +Price Quote Interest Rate Percent. The Loan Price Quote Interest Rate Percent should be the interest rate without any discount +points applied. + +July 17 + +UCD Phase 3A Edit +Updates + +On July 17, UCD removed edit 3631 from UCD, as edit 3628 covers the same conditions. Edit 3628 will remain active as fatal +severity with no changes. + +Edit 3631: When Prepaid Item Type is equal to 'PrepaidInterest', Integrated Disclosure Section is required and must equal +'Prepaids'. + +May 1 + +UCD Critical Edits - +Phase 3 +Implementation + +The UCD Phase 3 critical edits are divided into two subsets, 3A and 3B: +• Phase 3A edits will transition to critical/fatal on May 1, 2023. +• Phase 3B edits will transition to critical/fatal on Nov. 6, 2023, giving more time to lenders, third-party originators, and + +software partners/Technology Solution Providers (TSPs) to analyze and resolve problematic data. + +All edits for both subset Phases 3A and 3B are available for testing in the UCD Collection Solution. The UCD +Submission and Findings report has been updated in Fannie Mae Connect with the respective fatal date for UCD Phase +3A and 3B edits. + +See the Phase 3 Edits tab in the UCD Feedback Messages document for a list of the UCD Phase 3 edits. Please refer to +the UCD Critical Edits Transition Resources page for additional resources. diff --git a/chunks/txt/1991a71ed0c0f90a2419d93250b7b5119f9f826c1c09a908164691fdbc06743a.txt b/chunks/txt/1991a71ed0c0f90a2419d93250b7b5119f9f826c1c09a908164691fdbc06743a.txt new file mode 100644 index 0000000000000000000000000000000000000000..eb53b7db7e08a64e92bc8e1c400a7c6f3068a196 --- /dev/null +++ b/chunks/txt/1991a71ed0c0f90a2419d93250b7b5119f9f826c1c09a908164691fdbc06743a.txt @@ -0,0 +1,52 @@ +2. Appraisal Processes: My organization’s appraisal processes have been updated as necessary and are ready to + +support implementation of the redesigned URAR and updated UAD 3.6 dataset. +☐ Yes + +☐ No + +© 2025 Freddie Mac and Fannie Mae. Trademarks of respective owners. + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the +Federal Housing Finance Agency. + +1 of 3 + +3. Have you confirmed your appraisers and/or AMCs are ready to complete a UAD 3.6 appraisal report? + +☐ Yes + +☐ No + +Volume: _________________________________________________________________________ + +4. + +Internal Training: My organization has updated, created, and conducted the training necessary to support +implementation of the redesigned URAR and updated UAD 3.6 dataset. +☐ Yes + +☐ No + +5. GSE Training: The applicable employees in my organization have taken the GSE developed training necessary +to support implementation of the redesigned URAR and updated UAD 3.6 dataset. Training is available on the +Fannie Mae and Freddie Mac UAD webpages. +☐ Yes +☐ No + +6. Loan Delivery: My organization has updated, tested and is ready to submit ULDD Phase 5 through our Loan + +Origination Software, which supports changes to align with the new UAD 3.6. +☐ Yes + +☐ No + +7. Describe your appraisal process including use of any technology service providers from the point you run Loan + +Product Advisor® (LPA®) or Desktop Underwriter® (DU®) until you sell the loan to a GSE. + +3. Technology Readiness + +To the best of my knowledge, my organization has coordinated and tested with its technology service providers to +ensure they are ready to order, receive, review, consume and submit appraisal reports based on the redesigned +URAR and updated UAD 3.6 specification. diff --git a/chunks/txt/1993bc68f217fb67deaaa59f6c33ff7b9be71759ae315bf44744a6bab08992fc.txt b/chunks/txt/1993bc68f217fb67deaaa59f6c33ff7b9be71759ae315bf44744a6bab08992fc.txt new file mode 100644 index 0000000000000000000000000000000000000000..85faad858caf4f033adcc2f021f0752ee74a8ec0 --- /dev/null +++ b/chunks/txt/1993bc68f217fb67deaaa59f6c33ff7b9be71759ae315bf44744a6bab08992fc.txt @@ -0,0 +1,46 @@ +Critical Edits. + + Budget and plan for required changes to your systems. + + Develop and implement changes, focusing closely on making all ucd:FeeItemType enumerations available + +according to UCD v2.0 Tab 9 requirements. + + Conduct internal system testing. + + Test your XML output against the UCD v2.0 Development Subschema (UCD Subschema) to ensure your +changes are producing well-formed XML compliant with UCD v2.0. (See “Using the Subschema Package +for XML File Validation” below.) + + Begin to update internal user guides, job aids and training materials to support your UCD v2.0 adoption. + +© 2025 Fannie Mae and Freddie Mac. Trademarks are property of their respective owners. + +June 2025 + +This document 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. + +l + +JUNE 30, 2025 — CUSTOMER TEST ENVIRONMENTS AVAILABLE + + Begin testing XML files with the GSEs. + + Begin working with the GSE technology integration teams on GSE-specific XML test cases. + + Develop a systematic plan and schedule for making corrections and releasing fixes during the testing + +period. + + Keep the GSEs and your customers informed on production implementation dates. + + Develop a customer communication plan on how you will be supporting both UCD v1.5 and UCD v2.0 + +during the transition period. + +SEPTEMBER 29, 2025 — PRODUCTION ENVIRONMENTS AVAILABLE + + Implement tested UCD v2.0 into the production environment and notify customers of its availability. + + If applicable, implement required updates to UCD v1.5 to comply with specification version and Phase 4 diff --git a/chunks/txt/199814e7adfc6bf59fd429c941a0f9f46aca31c98b76ac2c6c1e500216695c18.txt b/chunks/txt/199814e7adfc6bf59fd429c941a0f9f46aca31c98b76ac2c6c1e500216695c18.txt new file mode 100644 index 0000000000000000000000000000000000000000..99bc3f6a833e0ce41c22686babd4c669364bf103 --- /dev/null +++ b/chunks/txt/199814e7adfc6bf59fd429c941a0f9f46aca31c98b76ac2c6c1e500216695c18.txt @@ -0,0 +1,15 @@ +The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team created the [UAD Inspection and Reporting Tips](/media/document/pdf/uad-36-inspection-and-reporting-tips) document to highlight notable differences in information collected between the legacy forms (UAD 2.6) and the redesigned URAR (UAD 3.6). + +Appraisers can use the Inspection and Reporting Tips document as a job aid when completing appraisal assignments using UAD 3.6. It focuses on new information requirements when physically inspecting the property or when researching property information and completing the URAR. + +Visit the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and webpages to view all UAD resources. + +UAD 3.6 Compliance Rules Update - URAR, Restricted Appraisal Update Report, and Completion Report: Sept. 16, 2025 + +The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team has updated the UAD Compliance Rules for the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and Completion Report. + +**Summary of Changes** + +- **Severity Level Changes:**Effective January 26, 2026, the severity level for certain rules applicable to the Restricted Appraisal Update Report and Completion Report will be updated. For details, see [Appendix H-2](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) and [Appendix H-3](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) on the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) UAD webpages. With the implementation of UAD 3.6, Restricted Appraisal Update Reports and Completion Reports must be submitted to the Uniform Collateral Data Portal® (UCDP®) as referenced in Fannie Mae’s [*Selling Guide* Supplement: UAD 3.6 Policy](/media/document/pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy) and Freddie Mac’s*Single-Family Seller/Servicer Guide* (Guide)[Bulletin 2025-7](https://guide.freddiemac.com/app/guide/bulletin/2025-7). +- **URAR:**Note update to one rule – see [Appendix H-1](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar). +If you have questions, please contact your GSE account representative. diff --git a/chunks/txt/199abfc824e757b678cffc791458f5e85869087134e070a84b7a3c2a9c64c27e.txt b/chunks/txt/199abfc824e757b678cffc791458f5e85869087134e070a84b7a3c2a9c64c27e.txt new file mode 100644 index 0000000000000000000000000000000000000000..27880d85d09d81603911ffdcdd8a2731b20d142f --- /dev/null +++ b/chunks/txt/199abfc824e757b678cffc791458f5e85869087134e070a84b7a3c2a9c64c27e.txt @@ -0,0 +1,187 @@ +At least one of fields 1-175, 1-176, 1- +177 (values of Project Management +Type and sometimes values of Project +Management Type Other Description) +should be indicated. + +At least one of fields 1-175, 1-176, 1- +177 (values of Project Management +Type and sometimes values of Project +Management Type Other Description) +should be indicated. + +At least one of fields 1-175, 1-176, 1- +177 (values of Project Management +Type and sometimes values of Project +Management Type Other Description) +should be indicated. + +T + +T + +T + +T + +T + +T + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +T + +T + +T + +T + +T + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 94 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +187 + +1 + +176, 177 + +PROJECT +INFORMATION + +Management Group +Developer and Management +Agent + +Project +Management Type +Other Description + +Identifies type of management associated +with the project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Oth +er' and +@_ManagementTypeOtherDescription='DeveloperAndManagementAgent'] + +188 + +1 + +175, 176, 177 + +PROJECT +INFORMATION + +Management Group +Homeowners' Association, +Developer, and Management +Agent + +Project +Management Type +Other Description + +Identifies type of management associated +with the project. diff --git a/chunks/txt/19a2cc286c5d26bc91a5da6e7ca63e52f0fcabe9468ed5dbb67564b3c9a92e6e.txt b/chunks/txt/19a2cc286c5d26bc91a5da6e7ca63e52f0fcabe9468ed5dbb67564b3c9a92e6e.txt new file mode 100644 index 0000000000000000000000000000000000000000..c0e87a54f840d209f95ad8e195d3448ff71cc465 --- /dev/null +++ b/chunks/txt/19a2cc286c5d26bc91a5da6e7ca63e52f0fcabe9468ed5dbb67564b3c9a92e6e.txt @@ -0,0 +1,201 @@ +If field 1-195 (Car Storage Exists Indicator = +'N') is indicated, then none of fields 1-196, 1- +199, 1-201 (Car Storage Location Exists +Indicator = 'Y' and values of Car Storage +Location Type) may be indicated. If field 1- +195 is not indicated, then at least one of fields +1-196, 1-199, 1-201 must be indicated. + +If at least one of fields 1-199, 1-201 is +indicated (Car Storage Location Type = +'Garage' or 'Carport', and Car Storage +Location Exists Indicator = 'Y'), than at least +one of fields 1-203,1-204,1-205 (types of Car +Storage Attachment Type) should be indicated. +If neither of fields 1-199, 1-201 are indicated +then none of fields 1-203,1-204,1-205 should +be indicated. + +T + +T + +T + +R + +T + +T + +R + +T + +R + +T + +T + +T + +T + +R + +T + +T + +R + +T + +R + +T + +T + +T + +T + +R + +T + +T + +R + +T + +R + +T + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 46 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +210 + +1 + +204 + +IMPROVEMENTS + +Car Storage +Det. + +Car Storage +Attachment Type + +Specifies if the Car Storage Location +specified by Car Storage Location +Type is attached or detached. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/CAR_STORAGE[@_AttachmentTyp +e='Detached'] + +8 + +Enumerated + +212 + +213 + +214 + +215 + +216 + +217 + +218 + +219 + +220 + +221 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +211 + +1 + +205 + +IMPROVEMENTS + +Car Storage +Built-in diff --git a/chunks/txt/19ab6addcfa03a1388c301299a86543d364b5c378bcfc09749a20c079f4078a5.txt b/chunks/txt/19ab6addcfa03a1388c301299a86543d364b5c378bcfc09749a20c079f4078a5.txt new file mode 100644 index 0000000000000000000000000000000000000000..b06d11fda27a6984a61166ec837a1a534eb11ed3 --- /dev/null +++ b/chunks/txt/19ab6addcfa03a1388c301299a86543d364b5c378bcfc09749a20c079f4078a5.txt @@ -0,0 +1,83 @@ +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +8.037 + +Detail + +Always required + +Free-form + +Definition / Additional Guidance + +Brief description of the windows. +Note: For further expansion of commentary, use Dwelling Exterior Commentary +(8.061). + +8.039 + +Condition Status Always required + +Choose an +allowable answer +from table +(Exterior Feature +Condition Status) + +Windows Condition Status: The condition status of the windows. +• +• +• +• + +New or Like New +Typical Wear and Tear +Damaged and Functional +Damaged and Nonfunctional + +Notes: +• + +If there are varying condition statuses for the windows, choose the one +that best explains the Exterior Condition Rating. +Condition Status reflects the required repairs, inspections, or completions +as if they were completed. The current condition is noted in the Apparent +Defects, Damages, and Deficiencies (Dwelling Exterior) subsection. +Individual damages must be reported in the Apparent Defects, Damages, +and Deficiencies (Dwelling Exterior) subsection. + +• + +• + +Appendix F-1: URAR Reference Guide + +Page 107 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +08 Dwelling Exterior + +Other Exterior Feature + +Row(s) can be added to the Exterior Features table for other feature(s) that are significant to the Exterior +Quality and Condition Ratings. A row displays in the Exterior Features table for each additional exterior feature +that is provided. + +OTHER EXTERIOR FEATURE EXAMPLE IN DWELLING EXTERIOR AND SALES COMPARISON APPROACH + +In this example, Ornamentation was added as an additional exterior feature in the Exterior Features table. + +The additional exterior feature (Ornamentation) was also brought into the Sales Comparison Approach +(22.08.07, 22.08.14) to support the Quality and Condition ratings. Comps 1 and 2 did not have ornamentation, +so “None” was entered. diff --git a/chunks/txt/19d4513c4570e2203b2f1d9b2e5c9e5435ca63971099060ce96c620a93efec61.txt b/chunks/txt/19d4513c4570e2203b2f1d9b2e5c9e5435ca63971099060ce96c620a93efec61.txt new file mode 100644 index 0000000000000000000000000000000000000000..be27529fb042879d389d3e0008bde75f6cc58ed4 --- /dev/null +++ b/chunks/txt/19d4513c4570e2203b2f1d9b2e5c9e5435ca63971099060ce96c620a93efec61.txt @@ -0,0 +1,62 @@ +Table IV-4. Reusable Containers Example from ULDDS Appendix A. + +MESSAGE (MIN=1, MAX=1) + +.DEAL_SETS (MIN=1, MAX=1) + +..DEAL_SET (MIN=1, MAX=unbounded) + +…DEALS (MIN=1, MAX=1) + +….DEAL (MIN=1, MAX=unbounded) + +….:COLLATERALS (MIN=1, MAX=1) + +….:.COLLATERAL (MIN=1, MAX=1) + +….:..PROPERTIES (MIN=1, MAX=1) + +….:...PROPERTY (MIN=1, MAX=1) + +….:….ADDRESS (MIN=1, MAX=1) + +XPath: +MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERT +Y/ADDRESS + +This use of the ADDRESS container is to capture the property address serving as collateral +for the subject loan. Now, review the XPath of the other ADDRESS container. Its location +in the V3.0 Reference Model indicates that is the address for a particular PARTY. The + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 32 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +value of the PartyRoleType data point within PARTY will tell us that it is the borrower’s +address. + +Table IV-5. Reusable Containers Example from ULDDS Appendix A. + +MESSAGE (MIN=1, MAX=1) + +.DEAL_SETS (MIN=1, MAX=1) + +..DEAL_SET (MIN=1, MAX=unbounded) + +…DEALS (MIN=1, MAX=1) + +….DEAL (MIN=1, MAX=unbounded) + +….:PARTIES (MIN=1, MAX=1) + +….:.PARTY (MIN=1, MAX=unbounded) + +….:...ADDRESSES (MIN=0, MAX=1) + +….:….ADDRESS (MIN=0, MAX=1) + +XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ADDRESSES/ADDRESS diff --git a/chunks/txt/19d6363b567780df1e99c29ec071aec714c89f1dd66db42389b5b3bda6fa9ea8.txt b/chunks/txt/19d6363b567780df1e99c29ec071aec714c89f1dd66db42389b5b3bda6fa9ea8.txt new file mode 100644 index 0000000000000000000000000000000000000000..cbc051297934cd6c8c4872e8bf81559222440a52 --- /dev/null +++ b/chunks/txt/19d6363b567780df1e99c29ec071aec714c89f1dd66db42389b5b3bda6fa9ea8.txt @@ -0,0 +1,107 @@ +Asset account information may have been +used to support the income and/or +employment information provided on the +online loan application. + +Income and/or employment cannot be +supported using asset account information +due to the following: +Reason + +New + +3107 + +VERIFICATION + +EMPLOYMENT & +INCOME + +Parametric The total income for this loan casefile of $%a + +New + +3489 + +VERIFICATION + +EMPLOYMENT & +INCOME + +Fixed + +entered on the online loan application is +supported using asset account information. +The asset report from %a is acceptable +documentation to support this income. + +DU observed that the submitted asset +report(s) do not contain twelve months of +transaction history. Therefore, this asset +report(s) will be insufficient for employment- +related income validation. + +© 2024 Fannie Mae + +1 of 4 + +Message +Status + +Message +Identifier + +Message Severity +Type Code + +Message Category +Type Code + +Message +Type + +Lender Text + +New + +3735 + +VERIFICATION + +EMPLOYMENT & +INCOME + +New + +3737 + +VERIFICATION + +EMPLOYMENT & +INCOME + +Parametric Child support must be verified for %a with one + +of the following documents: divorce decree, +separation agreement, court decree, any +other legal agreement that describes the +payment terms, or any applicable state law +that requires such payments and specifies the +conditions under which the payments must be +made. The lender must verify the child +support income will continue for at least three +years. Refer to the Selling Guide for additional +information. + +Parametric Alimony must be verified for %a with one of + +the following documents: divorce decree, +separation agreement, court decree, any +other legal agreement that describes the +payment terms, or any applicable state law +that requires such payments and specifies the +conditions under which the payments must be +made. The lender must verify the alimony +income will continue for at least three years. +Refer to the Selling Guide for additional +information. diff --git a/chunks/txt/19d812e3c37ceaf548f0bc4f1e323ba206f05bf334cb207b2b4810fa911f71a8.txt b/chunks/txt/19d812e3c37ceaf548f0bc4f1e323ba206f05bf334cb207b2b4810fa911f71a8.txt new file mode 100644 index 0000000000000000000000000000000000000000..bd51300240639a83a271c74aa528e9d8f47a67fd --- /dev/null +++ b/chunks/txt/19d812e3c37ceaf548f0bc4f1e323ba206f05bf334cb207b2b4810fa911f71a8.txt @@ -0,0 +1,5 @@ +Property Description .................................................................................................................................................................................................................. 71 + +Apparent Defects, Damages, Deficiencies Requiring Action ...................................................................................................................................................... 73 + +02 Assignment Information .................................................................................................................................................................................................................... 78 diff --git a/chunks/txt/19dd12372232e34974d7b62429b06a8510065c4bae971db67575410ceaac2fff.txt b/chunks/txt/19dd12372232e34974d7b62429b06a8510065c4bae971db67575410ceaac2fff.txt new file mode 100644 index 0000000000000000000000000000000000000000..5a6422d7c77b9094eacf906964d76f2bc8f58c24 --- /dev/null +++ b/chunks/txt/19dd12372232e34974d7b62429b06a8510065c4bae971db67575410ceaac2fff.txt @@ -0,0 +1,80 @@ +Uniform Residential Appraisal Report + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20) + +Page [Page] of [Pages] + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +Current or Relevant Listings 19.000 +19.001 + +Data Source + +Listing Status + +Listing Type + +Listing ID + +Start Date + +End Date + +19.002 + +19.003 + +19.004 + +19.005 + +19.006 + +Total DOM + +DOM + +19.007 + +19.010 + +Starting +List Price + +19.008 + +Current or +Final List Price + +19.009 + +Analysis of Subject Property Listing History + +19.011 + +Subject Listing Information Exhibits + +19.012.1 | 19.012.2 + +Appraisal Version # + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21) + +Fannie Mae | Freddie Mac +(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21) + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23) + +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27) diff --git a/chunks/txt/1dc54f22a5057c4fc658f331839b2d00525ee2686fe8569a8e7ab551bfd15d7f.txt b/chunks/txt/1dc54f22a5057c4fc658f331839b2d00525ee2686fe8569a8e7ab551bfd15d7f.txt new file mode 100644 index 0000000000000000000000000000000000000000..035085fd3e9ab18770f8c05f99c0d17a9b875a61 --- /dev/null +++ b/chunks/txt/1dc54f22a5057c4fc658f331839b2d00525ee2686fe8569a8e7ab551bfd15d7f.txt @@ -0,0 +1,63 @@ +VA 2022 County Loan Limit Changes + +The 2023 county loan limits are available on VA’s website. + +VA loan casefiles submitted or resubmitted prior to the weekend of Jan. 21 will be underwritten using the 2022 VA county loan +limits. VA loan casefiles submitted or resubmitted on or after the weekend of Jan. 21 will be underwritten using the 2023 VA +county loan limits. These loan limit changes will apply to both the 3.0 and 3.1 versions. + +N O T E : Because the 2023 VA county loan limits will not be implemented on the date they are in effect, lenders are +responsible for ensuring that the correct VA county loan limit is applied to all VA loans underwritten through DU from +Jan. 1 through Jan. 21. + +© 2023 Fannie Mae. Trademarks of Fannie Mae. + +1.4.23 + +1 of 2 + +Additional Resources + +For additional information, please reference the documents and web sites listed below. + +Document Name and +Description + +URL + +Online HUD Handbook 4000.1 + +http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/handbook_400 +0-1 + +HUD Mortgagee Letters + +https://www.hud.gov/hudclips/letters/mortgagee + +FHA Mortgage Limits + +https://entp.hud.gov/idapp/html/hicostlook.cfm + +CHUMS Data Files + +http://www.hud.gov/pub/chums/file_layouts.html + +FHA Resource Center: Contact +Information and FAQs + +http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/fharesourcectr + +VA Lenders Handbook + +https://benefits.va.gov/warms/pam26_7.asp + +VA Circulars + +VA Loan Limits + +http://www.benefits.va.gov/homeloans/new.asp + +http://www.benefits.va.gov/homeloans/loan_limits.asp + +VA Regional Loan Centers: Contact +Information diff --git a/chunks/txt/1de5e98fddd1a78d171d3ac061cf72067ca587043cd6350e4a42eaa5eba5dcf5.txt b/chunks/txt/1de5e98fddd1a78d171d3ac061cf72067ca587043cd6350e4a42eaa5eba5dcf5.txt new file mode 100644 index 0000000000000000000000000000000000000000..20a15357c17b10f4930236cc16078da486806b80 --- /dev/null +++ b/chunks/txt/1de5e98fddd1a78d171d3ac061cf72067ca587043cd6350e4a42eaa5eba5dcf5.txt @@ -0,0 +1,42 @@ +MISMO v3.4 Reference Model is organized in a hierarchical structure with containers and data points that +originate from a single ancestor, the MESSAGE container. The following (Figure. 1) is a sample +representation of the schema and the hierarchical relationships between containers. + +Figure. 1 Hierarchical relation of containers in Deal Sets structure + +The MISMO v3.4 Reference Model includes several supporting documents for the data model and are +available on the MISMO.org website. + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +6 + +Navigating the MISMO v3.4 Reference Model +The use of an XML editor, which offers a graphical user interface (GUI) for visualizing XML documents, +may be used to display the hierarchical order of the model starting at the root container and following +downward by expanding with child containers. See Figure. 2. + +Figure. 2 Example of a Complex Type container and a Single Type container + +Contents of the MISMO v3.4 Logical Data Dictionary (LDD) +The LDD is a Microsoft Office Excel® workbook containing information about all the data components of +the MISMO v3.4 Reference Model. The file includes a set of different tabs organized in alphabetical order, +as follows: + +• LDD Report_V3.4.0.0_B324 provides an inventory of the version 3.4 model content, including: + +o Data point names and definitions +o Containers in which the data points reside +o Attributes +o ArcRoles +o Enumerations + +Extensions +As defined in the MISMO MEG 25 publication: The EXTENSION container provides maximum flexibility +to a given version of a MISMO message by establishing a structured framework for adding data. +Organizations can take advantage of XML Namespaces to place required data points not yet defined in the +MISMO standard OR proprietary data points that shall never be included in the MISMO standard into a +message for exchange with business partners. The definition of the EXTENSION container makes it possible +to add additional content yet still validate against the MISMO standardized schema. diff --git a/chunks/txt/1df06d7c122c434f341334f370a2c67ef34ab888aec99bc5131a8f24d563bfb5.txt b/chunks/txt/1df06d7c122c434f341334f370a2c67ef34ab888aec99bc5131a8f24d563bfb5.txt new file mode 100644 index 0000000000000000000000000000000000000000..02fe7e87a94a002a8c50a71384ee481de1c78099 --- /dev/null +++ b/chunks/txt/1df06d7c122c434f341334f370a2c67ef34ab888aec99bc5131a8f24d563bfb5.txt @@ -0,0 +1,48 @@ +o When “true”, + +▪ Known Sales Concessions and Total Sales Concessions display (Figure 20 - 2) + +• + +SalesConcessionAmountKnownIndicator (UID: 0600.0005, FID: 20.009) + +o When “false” display “Unknown” +o When “true” display TotalSalesConcessionAmount (UID: 0600.0011, FID: 20.009) and Typical for Market - + +SalesConcessionsTypicalToMarketIndicator (UID: 0600.0007, FID: 20.010) (Figure 20 - 2) + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 20 - 2 + +Page 266 + +o When “false”, + +▪ Known Sales Concessions displays “No” (Figure 20 - 3) + +Figure 20 - 3 + +Appendix B-1: URAR Implementation Guide v1.3 + +Sales Contract Analysis + +The Sales Contract Analysis subsection displays when comments are provided. Comments for this subsection must be delivered in +ValuationCommentText (UID: 0600.0014, FID: 20.011) with ValuationAnalysisCategoryType (UID: 0600.0015, FID: 20.011) = “SalesContract”. + +Comments are required when: + +• SalesContractReviewedIndicator (UID: 0600.0010, FID: 20.001) = “false” stating why the contract was not analyzed. +• PersonalPropertyIncludedIndicator (UID: 0600.0004, FID: 20.007) = “true” describing personal property included in sale. + +Page 267 + +Additional comments may be included and display in this subsection. + +Sales Contract Exhibits + +The Sales Contract Exhibits subsection displays when images are provided, and the Sales Contract section is included in the report. All +captions display above the image in bold font. + +• Any images included must be delivered with ImageCategoryType (UID: 1400.0638, FID: 20.013) = “SalesContractExhibit” +• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 20.012). diff --git a/chunks/txt/1dfb35f62ffd2694ebc10a15492c4bd56c204312a93407328e1f125a43cb6912.txt b/chunks/txt/1dfb35f62ffd2694ebc10a15492c4bd56c204312a93407328e1f125a43cb6912.txt new file mode 100644 index 0000000000000000000000000000000000000000..c92fb2da16c0607e5830080fe963aa13ae85b7ca --- /dev/null +++ b/chunks/txt/1dfb35f62ffd2694ebc10a15492c4bd56c204312a93407328e1f125a43cb6912.txt @@ -0,0 +1,137 @@ +cancelled checks or equivalent, or +evidence of property taxes paid. + +The following tables provide restrictions on the amount of rental income that may be used for qualifying purposes based on various +borrower and rental income scenarios. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 39 of 166 + +UAD 3.6 Policy + +Property +Type + +2-4 Unit +Primary +Residence + +1 Unit Primary +Residence +with ADU + +1-4 Unit +Investment +Property + +Property Type + +2-4 Unit Primary +Residence + +Subject Property + +Restrictions on Rental Income Used to Qualify + +Current +Primary +Housing +Payment + +Property +Management +Experience + +Yes + +No + +Yes + +No + +Yes + +No + +Yes + +No + +NA + +Yes + +No + +NA + +Yes + +No + +NA + +Rental income used in qualifying has no restrictions + +Rental income used in qualifying may not exceed the PITIA + +No rental income can be used in qualifying. + +Rental income used in qualifying is limited to 30% of the total qualifying income. + +Rental income used in qualifying is limited to 30% of the total qualifying income +and cannot exceed PITIA + +No rental income can be used in qualifying. + +Rental income used in qualifying has no restrictions + +Rental income can only be used to offset the PITIA of the related property + +No rental income can be used in qualifying. + +Non-Subject Property + +Current +Primary +Housing +Payment + +Property +Management +Experience + +Restrictions on Rental Income Used to Qualify + +Yes + +Yes + +No + +Yes + +No + +Yes + +No + +Yes + +No + +NA + +Yes + +Rental income used in qualifying has no restrictions + +Rental income used in qualifying may not exceed the PITIA + +Rental income used in qualifying has no restrictions + +Rental income can only be used to offset the PITIA of the +related property diff --git a/chunks/txt/1dfcd3a07f01274ac27ad637cb87397a0ada6869bb192500d1df361846a13601.txt b/chunks/txt/1dfcd3a07f01274ac27ad637cb87397a0ada6869bb192500d1df361846a13601.txt new file mode 100644 index 0000000000000000000000000000000000000000..f52eae5162caf538803a2bc4678ce114f093ef14 --- /dev/null +++ b/chunks/txt/1dfcd3a07f01274ac27ad637cb87397a0ada6869bb192500d1df361846a13601.txt @@ -0,0 +1,73 @@ +GSE Neighborhood +Boundaries +Description + +Neighborhood +Description +Neighborhood +Market Conditions +Description + +Site Dimensions +Description + +Specifies the state of market demand +versus the supply of properties in the +neighborhood. +Specifies the typical length of time a +property would stay on the market before +being sold in the neighborhood. +Specifies the typical length of time a +property would stay on the market before +being sold in the neighborhood. +Specifies the typical length of time a +property would stay on the market before +being sold in the neighborhood. +The low price of the neighborhood +housing specified in Neighborhood +Housing Type. +The high price of the neighborhood +housing specified in Neighborhood +Housing Type. +The predominant price of the +neighborhood housing specified by +Neighborhood Housing Type. +The age, in years, of the newest +neighborhood housing specified in +Neighborhood Housing Type. +The age, in years, of the oldest +neighborhood housing specified in +Neighborhood Housing Type. +The predominant age, in years, of the +neighborhood housing specified by +Neighborhood Housing Type. +Used to specify the percentage of land +used for the category specified by +Neighborhood Present Land Use Type. +Used to specify the percentage of land +used for the category specified by +Neighborhood Present Land Use Type. +Used to specify the percentage of land +used for the category specified by +Neighborhood Present Land Use Type. +Used to specify the percentage of land +used for the category specified by +Neighborhood Present Land Use Type. +Used to specify the percentage of land +used for the category specified by +Neighborhood Present Land Use Type. +The boundaries of the subject +neighborhood. These boundaries may +include but are not limited to streets, +legally recognized neighborhood +boundaries, waterways, or other natural +boundaries that define the separation of +one neighborhood from another. +A free-form text field describing the +neighborhood. +A free-form text field used to discuss +market conditions in the neighborhood +that may effect property values. +A free-form text field used to describe the +dimensions of the site such as its width +and depth. diff --git a/chunks/txt/1e0018f5b4a18a5a778882e6cbac7d16587b7709ee22efd1b2c88d195f58c0f9.txt b/chunks/txt/1e0018f5b4a18a5a778882e6cbac7d16587b7709ee22efd1b2c88d195f58c0f9.txt new file mode 100644 index 0000000000000000000000000000000000000000..b5ccdfbfbb17b9722c10a9306ca0e760471c0fc6 --- /dev/null +++ b/chunks/txt/1e0018f5b4a18a5a778882e6cbac7d16587b7709ee22efd1b2c88d195f58c0f9.txt @@ -0,0 +1,112 @@ +String + +Must provide a whole number or 'Unk' if not known. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +15 + +10 + +9 + +8 + +8 + +9 + +9 + +9 + +48 + +90 + +1 + +1 + +4 + +CR + +T + +R + +CR + +CR + +T + +T + +T + +T + +CR + +CR + +CR + +CR + +R + +T + +CR + +CR + +CR + +If the value of field 1-26 (Project Per Unit +Fee Amount) is greater than zero, one and +only one of fields 1-27, 1-28 (values of +Project Per Unit Fee Period Type) must be +indicated. + +If the value of field 1-26 (Project Per Unit +Fee Amount) is greater than zero, one and +only one of fields 1-27, 1-28 (values of +Project Per Unit Fee Period Type) must be +indicated. + +One and only one of fields 1-29, 1-30, 1-31 +(values of Property Rights Type) should be +indicated. +One and only one of fields 1-29, 1-30, 1-31 +(values of Property Rights Type) should be +indicated. +One and only one of fields 1-29, 1-30, 1-31 +(values of Property Rights Type) should be +indicated. +This field should be populated if field 1-31 +(Property Rights Type = 'Other') is +indicated. +One and only one of fields 1-33, 1-34, 1-35 +(Values of Appraisal Purpose Type) must be +indicated. +One and only one of fields 1-33, 1-34, 1-35 +(Values of Appraisal Purpose Type) must be +indicated. +One and only one of fields 1-33, 1-34, 1-35 +(Values of Appraisal Purpose Type) must be +indicated. + +This field is required if field 1-35 (Appraisal +Purpose Type = 'Other') is indicated. + +One and only one of fields 1-39, 1-40 +(values of Listed Within Previous Year +Indicator) must be indicated. + +One and only one of fields 1-39, 1-40 +(values of Listed Within Previous Year +Indicator) must be indicated. diff --git a/chunks/txt/1e065375b2067505599ab044f6d1620b0c17b22f377b7c500d131ab6d9eb4ed3.txt b/chunks/txt/1e065375b2067505599ab044f6d1620b0c17b22f377b7c500d131ab6d9eb4ed3.txt new file mode 100644 index 0000000000000000000000000000000000000000..caf7e034271ca3ebe687b44adf5f97844b5286d3 --- /dev/null +++ b/chunks/txt/1e065375b2067505599ab044f6d1620b0c17b22f377b7c500d131ab6d9eb4ed3.txt @@ -0,0 +1,102 @@ +yyyy + +The calendar year the building / green certification was obtained for the +property. + +Free-form + +The building / green certification version as defined by the certification +organization. + +Free-form + +Building Certification Rating +The level or rating from the certification organization. + +Appendix F-1: URAR Reference Guide + +Page 88 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +06 Energy Efficient and Green Features + +Green Efficiency Ratings + +Energy Efficient and Green Features: Green Efficiency Ratings + +Report +Field ID + +6.010 + +Report Label + +When to Include + +Allowable +Answers / Format + +Known Efficiency +Ratings + +Always required + +Yes | No + +Definition / Additional Guidance + +Indicates whether the property has obtained an efficiency rating that is known +to the appraiser. +Note: If No, the Green Efficiency Ratings subsection does not display. + +6.011 + +Green / Energy +Efficiency Rating +Organization + +6.012 + +Rating + +6.013 + +Score + +Required for each +efficiency rating if +Known Efficiency +Ratings is Yes + +Required for each +efficiency rating if +Known Efficiency +Ratings is Yes + +Required for each +Efficiency Rating if +Known Efficiency +Ratings is Yes + +Free-form + +Efficiency Rating Organization: The full name of the organization providing the +efficiency rating. + +Free-form + +Efficiency Rating Name: The full name or commonly-used acronym of the +efficiency rating. +Note: If the date or year of the rating is known, enter it in Energy Efficient and +Green Features Commentary. + +Free-form + +The specific value of the rating score. + +Energy Efficient and Green Features Impact to Value / Marketability + +Energy Efficient and Green Features Impact to Value / Marketability diff --git a/chunks/txt/1e06ddfe8443f58325bd3a60deac9136e8454aa0817183a6a167fc9938ebc9c7.txt b/chunks/txt/1e06ddfe8443f58325bd3a60deac9136e8454aa0817183a6a167fc9938ebc9c7.txt new file mode 100644 index 0000000000000000000000000000000000000000..0ea0b3ed29e0d23cc38a7d3e60c6aa49c46f3b65 --- /dev/null +++ b/chunks/txt/1e06ddfe8443f58325bd3a60deac9136e8454aa0817183a6a167fc9938ebc9c7.txt @@ -0,0 +1,65 @@ +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/C +OMPARISON_DETAIL_EXTENSION/COMP +ARISON_DETAIL_EXTENSION_SECTION[ +@ExtensionSectionOrganizationName='UNIFO +RM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTE +NSION_SECTION_DATA/COMPARISON_D +ETAIL/@GSEQualityOfConstructionRatingTyp +e + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/C +OMPARISON_DETAIL_EXTENSION/COMP +ARISON_DETAIL_EXTENSION_SECTION[ +@ExtensionSectionOrganizationName='UNIFO +RM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTE +NSION_SECTION_DATA/COMPARISON_D +ETAIL/@GSEAgeEstimationIndicator + +This data is referenced more than once on the form in the Site Section, and +must be represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +If a view factor not on the list provided materially affects the value of the +property, the appraiser must select 'Other' and enter a description of the view +associated with the property. Free-form descriptions should be entered +carefully because data will be truncated on the appraisal report form if it +exceeds available space for that field. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +20 + +Enumerated + +20 + +String + +UAD Instruction - Refer to Appendix D Sales Comparison Approach +Section + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +2 + +Enumerated + +Allowable Values +Q1 +Q2 +Q3 +Q4 +Q5 +Q6 diff --git a/chunks/txt/1e0cb16654f3e05db390b9709942c748d1e49da0d23926cf396afa01bb2b44a3.txt b/chunks/txt/1e0cb16654f3e05db390b9709942c748d1e49da0d23926cf396afa01bb2b44a3.txt new file mode 100644 index 0000000000000000000000000000000000000000..46f8aef2e8c357a2d539c803509538c426a4b52b --- /dev/null +++ b/chunks/txt/1e0cb16654f3e05db390b9709942c748d1e49da0d23926cf396afa01bb2b44a3.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/about/budget-finances-and-performance" +date_accessed: "2026-01-27T17:54:20.338Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/1e2a2e989f93f79e2df1c7fae9aa5aaceca04869ffc559a3b1e8b49fb6e8b486.txt b/chunks/txt/1e2a2e989f93f79e2df1c7fae9aa5aaceca04869ffc559a3b1e8b49fb6e8b486.txt new file mode 100644 index 0000000000000000000000000000000000000000..e3b9f95d0115f86f3a3f39b6d38133c0e98befad --- /dev/null +++ b/chunks/txt/1e2a2e989f93f79e2df1c7fae9aa5aaceca04869ffc559a3b1e8b49fb6e8b486.txt @@ -0,0 +1,141 @@ +Page 2 of 20 + +Assignment Information + +Assignment Reason +Borrower Name + +Current Owner of Public Record + +Refinance +John Doe +Jane Doe +John Doe +Jane Doe + +Contact Information + +Client/Lender + +Company Name +Company Address + +Appraiser + +Name +Company Name +Company Address + +XYZ Lending Inc. +123 Tree Lined St +Anywhere, TN 12345 + +Annie Appraiser +General Appraisal Services +123 Willow St +Anywhere, TN 12345 + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +Physical +Physical +03/14/2022 + +Assignment Information and Scope of Work Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Property Valuation Method + +Traditional Appraisal + +Was a Property Data Report used in lieu of an +Inspection? + +Appraiser Fee + +$0 + +Yes No +  + +STET + +“lieu” l.c. + +Credentials + +Level +ID +State +Expires + +Licensed Residential Appraiser +T235719287434 +TN +01/30/2024 + +Subject Property + +Physical Address + +County +Neighborhood Name + +123 Anywhere St +Somecity, TN 12345 +Alpine +Magic Hill + +Attachment Type +Units Excluding ADUs +Accessory Dwelling Units +Special Tax Assessments + +Detached +1 +0 +No + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Property on Native American Lands +Subject Site Owned in Common +Homeowner Responsible for all Exterior Maintenance +of Dwelling(s) +New Construction + +Yes No +  +  +  +  +  +  +  + +  + +Ownership Rights + +Property Rights Appraised + +Fee Simple + +All Rights Included in Appraisal + +Yes + +Legal Description + +Section 23 Township 3S Range 3E Tax Lot 00700 and 00700B + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/1e4567d9a2d6e8cb59169f4aef7844d186662f7515a1040419b15d99e1d6af9a.txt b/chunks/txt/1e4567d9a2d6e8cb59169f4aef7844d186662f7515a1040419b15d99e1d6af9a.txt new file mode 100644 index 0000000000000000000000000000000000000000..5d0bce16fe4bf3fc75b6883da68775f3207e3fb0 --- /dev/null +++ b/chunks/txt/1e4567d9a2d6e8cb59169f4aef7844d186662f7515a1040419b15d99e1d6af9a.txt @@ -0,0 +1,105 @@ +23 See UMDP Overview, at https:// + +www.fanniemae.com/content/fact_sheet/umdp- +overview.pdf (April 2018) (joint document authored +by both Fannie Mae and Freddie Mac). + +24 FHFA 2010 Order, 75 FR 41180, and FHFA + +2011 Order, 76 FR 60031. +25 12 U.S.C. 4546(d). + +VerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00039 Fmt 4703 Sfmt 4703 E:\FR\FM\03JNN1.SGM 03JNN1 + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +2 +4 +C +V +5 +F +9 +K +S +D +n +o + +r +e +t +t +o + +l + +Federal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices + +34199 + +September 23, 2019, which does not +include the new HMDA data elements +or Duty to Serve geographic indicators. +The data specifications set out in the +Order will apply to future annual PUDB +releases, until further modified by +FHFA. + +FHFA’s review of each HMDA data +element is detailed below in Section +II.B. for single-family data and Section +II.C. for multifamily data. + +B. Single-Family PUDB + +1. New HMDA Single-Family Data +Elements Added to the PUDB + +The HMDA single-family data + +elements collected by the Enterprises +that are listed below will be reported to +FHFA and added to the PUDB Single- +Family Census Tract File starting with +the 2018 PUDB, as set forth in the +revised PUDB matrices. Most of these +data elements were new Regulation C +reporting requirements in 2018. The list +below indicates whether the data +element was a new HMDA data element +added for the first time in 2018 by +Regulation C, or a pre-2018 HMDA data +element that was modified in 2018 by +Regulation C amendments. + +Discount Points: Discount Points is a +new HMDA data element collected by +the Enterprises that indicates the points +paid by the home buyer or home seller +to the lender to reduce the interest +rate.26 It will be disclosed without +modification in the PUDB Single-Family +Census Tract File, in conformance with +the CFPB Privacy Guidance.27 The data +collected by the Enterprises may +include origination or discount points +paid by the borrower, home seller, or +other third party, and may not +correspond exactly to the Regulation C +Discount Points disclosed by the CFPB. diff --git a/chunks/txt/1e5350a762149fe7ee8a1cb38b3464e3e4e1cf29e73684d45d2eee46823dc73a.txt b/chunks/txt/1e5350a762149fe7ee8a1cb38b3464e3e4e1cf29e73684d45d2eee46823dc73a.txt new file mode 100644 index 0000000000000000000000000000000000000000..5ef859087045fc8bd0b6b4ab42a13249aba804d9 --- /dev/null +++ b/chunks/txt/1e5350a762149fe7ee8a1cb38b3464e3e4e1cf29e73684d45d2eee46823dc73a.txt @@ -0,0 +1,50 @@ +Dwellings with condition ratings C1, C2, C3, C4, and C5 as previously defined are eligible in “as is” condition. Dwellings with the +initial condition rating C6 indicate one or more deficiencies that impact the soundness or structural integrity of the dwelling. +Therefore, the appraisal must be completed "subject to" completion of the deficient item(s) with a minimum resulting condition +rating of C5. Any appraisal made subject to repair will require an “as-is” condition rating. + +See Defects, Damages, and Deficiencies in this topic for additional details when completing appraisals on properties with +soundness or structural integrity deficiencies. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 91 of 166 + +UAD 3.6 Policy + +Quality of Construction Rating + +The appraiser must assign one of the following standardized quality ratings in the table below when identifying the quality of +construction for the subject property and comparable sales. + +In each category, the dwelling must meet the majority of the criteria listed but does not have to meet all criteria. + +Rating + +Overall Quality Rating + +Interior Quality Rating + +Exterior Quality Rating + +Quality Rating Definitions + +Q1 + +Q2 + +The dwelling is an individually +designed, one-of-a-kind structure +built to exacting standards. Q1 +features exceptional quality +materials and luxury amenities, +and exhibits the highest quality of +workmanship and complexity in +architectural design. The dwelling +features a high degree of +refinement and ornamentation +that requires specialized +construction or installation. A Q1 +dwelling is recognized as being +very rare or even non-existent in +some communities. diff --git a/chunks/txt/1e5844f3c6f7bf52b74b5d8d0be15cf88f92a9451868a8b55509f89419024e17.txt b/chunks/txt/1e5844f3c6f7bf52b74b5d8d0be15cf88f92a9451868a8b55509f89419024e17.txt new file mode 100644 index 0000000000000000000000000000000000000000..80509a26b9d2956ecf48faab60febd65785dca25 --- /dev/null +++ b/chunks/txt/1e5844f3c6f7bf52b74b5d8d0be15cf88f92a9451868a8b55509f89419024e17.txt @@ -0,0 +1,76 @@ +HR + +High Rise - +Structure is +8+ stories tall, +contains units +with communal +walls, floors, +and/or ceilings + +O + +Other + +Number of Levels – The appraiser should +indicate the attachment type of the property +followed by the number of levels within the +condominium unit. The number of levels +should be displayed in whole numbers. + +Description of Style - The appraiser should +enter a brief description of the style of the +property. The PDF creator should populate +the selected text from the specified list for +‘Attachment Type’, followed by the ‘Number of +Levels’, and the ‘Description of Style’. A +semicolon should be used to separate the +number of levels from the Description of the +style. Note that no semicolon should be used +between the Attachment Type and the +Number of Levels. + +Examples: +DT1L;SitecondoRamb +RT3L;Twnhse +GR1L;Garden +MR1L;Midrise +HR2L;Penthouse + +Page 47 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +Actual Age +The appraiser must report the actual age of +the subject property and each comparable +property. For new construction that is less +than one year old, enter the numeral zero (0). +Do not enter any additional information such +as ‘years’ or other descriptors. If the actual +age is unknown, enter the estimated age. diff --git a/chunks/txt/1e5dcb723ec7fbde1fa234b863d6827bd114461718ab82898ca265f60bad1676.txt b/chunks/txt/1e5dcb723ec7fbde1fa234b863d6827bd114461718ab82898ca265f60bad1676.txt new file mode 100644 index 0000000000000000000000000000000000000000..98a33f95c66fe1ebd8baea8e2869832ae106c994 --- /dev/null +++ b/chunks/txt/1e5dcb723ec7fbde1fa234b863d6827bd114461718ab82898ca265f60bad1676.txt @@ -0,0 +1,56 @@ +Figure 22 - 12 + +Unit(s) + +The Unit(s) subsection always displays in the Sales Comparison Approach section. It repeats for each living unit including ADUs. + +In the XML, PROPERTY_UNIT is under IMPROVEMENT where: + +• +• + +ImprovementType = "Dwelling” (for ADUs or non-ADUs – AccessoryDwellingUnitIndicator can be “true” or “false”) +ImprovementType = "Outbuilding" AND OutbuildingRealPropertyIndicator = "true" AND AccessoryDwellingUnitIndicator = "true" + +Unit(s) is the fourth of six subsections that has adjustments at the row level. (Figure 22 - 13) + +There are 14 defined rows in this subsection. + +➢ +➢ +➢ +➢ + +4 rows are required (Always) +2 rows are conditionally required (If Applicable) +8 rows may be provided (If Relevant) +Additional rows may be added to this section (Example: Basement Access in Figure 22-14) + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 22 - 13 + +Page 287 + +Figure 22 - 14 + +Quality and Condition (Ratings: 1-6, 1 is highest) + +The Quality and Condition subsection always displays in the Sales Comparison Approach section. This subsection has 3 parts: + +• Exterior Quality and Condition +• +Interior Quality and Condition +• ADU Quality and Condition + +Quality and Condition is the only subsection that has no adjustments. Adjustments are made at the Overall Quality and Condition +subsection level. + +Appendix B-1: URAR Implementation Guide v1.3 + +ImprovementComponentTypeOtherDescription + +In the Quality and Condition subsection, Other Exterior or Interior Features may be brought into the sales comparison grid from the Dwelling +Exterior or Unit Interior sections, respectively. Each additional item ImprovementComponentTypeOtherDescription (UID Subject - +0300.0056; UID Comparable - 1800.0181) must be delivered and displays as the row header and must be included in the +COMPARABLE_ADJUSTMENT container for the subject and each comparable. Each Other Feature must be unique. diff --git a/chunks/txt/1e6e11ebec836c655ecb2626d9ff47fae33571fd187b05d901a26d1630516b8d.txt b/chunks/txt/1e6e11ebec836c655ecb2626d9ff47fae33571fd187b05d901a26d1630516b8d.txt new file mode 100644 index 0000000000000000000000000000000000000000..9ac8d5b7ce1c0a9301bccdb53295bfaa29bf3566 --- /dev/null +++ b/chunks/txt/1e6e11ebec836c655ecb2626d9ff47fae33571fd187b05d901a26d1630516b8d.txt @@ -0,0 +1,101 @@ +Appraiser Performing the Subject Property Inspection. Provide one RELATIONSHIP container for each appraiser-related role (provided in the data set) +joining the INSPECTION container to the PARTY container. + +Appraiser + +Unique ID + +Parent Container MISMO Attribute Name + +Supported Attribute Enumerations + +2400.0268 +2400.0269 +2400.0270 +2400.0287 +2200.0099 + +RELATIONSHIP +RELATIONSHIP +RELATIONSHIP +INSPECTION +ROLE + +@xlink:arcrole +@xlink:from +@xlink:to +@xlink:label +@xlink:label + +urn:fdc:mismo.org:2009:residential/INSPECTION_CompletedBy_ROLE +INSPECTION_n +ROLE_n +INSPECTION_n +ROLE_n + +Supervisory Appraiser + +Unique ID + +Parent Container MISMO Attribute Name + +Supported Attribute Enumerations + +2400.0495 +2400.0496 +2400.0497 +2400.0505 +2200.0110 + +RELATIONSHIP +RELATIONSHIP +RELATIONSHIP +INSPECTION +ROLE + +@xlink:arcrole +@xlink:from +@xlink:to +@xlink:label +@xlink:label + +urn:fdc:mismo.org:2009:residential/INSPECTION_CompletedBy_ROLE +INSPECTION_n +ROLE_n +INSPECTION_n +ROLE_n + +In this example, an appraiser and a supervisory appraiser are represented in the XML and displayed on the report. (Figure Arcrole - 1) + +Arcrole - 1 + +Page 49 + +Provide the relationship that joins the SIGNATORY container to the PARTY container representing the appraiser or supervisory appraiser. One +RELATIONSHIP container is required for each PARTY that has signed the report. + +Page 50 + +Appraiser + +Unique ID + +Parent Container + +MISMO Attribute Name + +Supported Attribute Enumerations + +2200.0039 +2200.0040 + +RELATIONSHIP +RELATIONSHIP + +@xlink:arcrole +@xlink:from + +urn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE +SIGNATORY_n + +2200.0041 diff --git a/chunks/txt/1e7729d3af091240d75efead16ea072f57a2aa49bfb608fd1c7805defbbea3ad.txt b/chunks/txt/1e7729d3af091240d75efead16ea072f57a2aa49bfb608fd1c7805defbbea3ad.txt new file mode 100644 index 0000000000000000000000000000000000000000..5be2df39429d4432834bef586356d8ce10ea7643 --- /dev/null +++ b/chunks/txt/1e7729d3af091240d75efead16ea072f57a2aa49bfb608fd1c7805defbbea3ad.txt @@ -0,0 +1,62 @@ +mm/dd/yyyy + +Listing Start Date: The date the listing was created. + +mm/dd/yyyy + +Listing End Date: The date the listing was no longer offered for sale. + +Number + +• + +• + +• + +Dollar amount + +Days on Market: The number of days the listing was on the market as of the +appraisal effective date or the Listing End Date. +Notes: +• + +Enter zero (0) for properties that were not listed on the open market +through a publicly available source (e.g., Listing Type is FSBO (For Sale by +Owner)). +Enter 1 for properties that were listed on the market and placed under +contract on the same day. +For all other scenarios, enter the actual days on market that apply to the +listing. +The most recent listing is displayed in the Sales Comparison Approach +section. + +Dollar amount + +List Price: The last known list price for the transaction. + +Allowable Answer + +Definition / Additional Guidance + +Auction + +Property offered for public sale through a bidding process. + +Listing Type (Choose one) + +For Sale by Owner (FSBO) + +A property that is being placed for sale by the owner, without licensed real estate professional representation, which may +include the use of an online real estate service. + +MLS + +Other (Describe) + +A database established by cooperating real estate brokers to provide property characteristics and transaction information. +Note: Select this answer if the listing is available on an MLS in addition to other third-party sites. + +Select Other to enter an answer that is not in the above list (e.g., Builder). +Note: Select this answer when there is licensed real estate professional representation, but the property was not broadly +marketed through the MLS, i.e., “pocket listing”. diff --git a/chunks/txt/1e8b7148a5abbd7ad1e7393c3fb315fee649e1d8c2b31f8fa8554b2a0686dda2.txt b/chunks/txt/1e8b7148a5abbd7ad1e7393c3fb315fee649e1d8c2b31f8fa8554b2a0686dda2.txt new file mode 100644 index 0000000000000000000000000000000000000000..43fad83c505c4ab4867a130ddd474067841fa2b2 --- /dev/null +++ b/chunks/txt/1e8b7148a5abbd7ad1e7393c3fb315fee649e1d8c2b31f8fa8554b2a0686dda2.txt @@ -0,0 +1,137 @@ +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +105 + +SITE + +106 + +SITE + +107 + +SITE + +108 + +SITE + +109 + +SITE + +110 + +111 + +SITE + +SITE + +112 + +SITE + +113 + +SITE + +Utilities +Water +Public + +Utilities +Water +Other + +Utilities +Water +Other (describe) + +Utilities +Sanitary Sewer +Public + +Utilities +Sanitary Sewer +Other + +Utilities +Sanitary Sewer +Other (describe) + +Off-Site Improvements - Type +Street + +Street +Public + +Street +Private + +114 + +SITE + +Off-Site Improvements - Type +Alley + +115 + +SITE + +Alley +Public + +Site Utility Public +Indicator + +Indicates whether the utility specified by +Site Utility Type is a public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type=' +Water'/@_PublicIndicator + +Site Utility Non +Public Indicator + +Indicates whether the utility specified by +Site Utility Type is a non-public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type=' +Water']/@_NonPublicIndicator + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that +the box has not been checked. + +Boolean + +If no water service is present, indicate 'None' in the description field. + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that +the box has not been checked. + +Boolean + +1 + +1 + +Site Utility Non +Public Description + +A free-form text field used to describe the +ownership of the utility specified by Site +Utility Type if it is a non-public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type=' +Water']/@_NonPublicDescription diff --git a/chunks/txt/1e992fce3398418b15200c426ca4ea5b9996f1c58e11fbf68958f8e229cce3f5.txt b/chunks/txt/1e992fce3398418b15200c426ca4ea5b9996f1c58e11fbf68958f8e229cce3f5.txt new file mode 100644 index 0000000000000000000000000000000000000000..a583abf4bee7e347b8283747116f00f45a7e0bd2 --- /dev/null +++ b/chunks/txt/1e992fce3398418b15200c426ca4ea5b9996f1c58e11fbf68958f8e229cce3f5.txt @@ -0,0 +1,82 @@ +Loan Amount (UPB): Loan Amount is + +a modified HMDA data element that +identifies the Note Amount (discussed +above in Section II.C.1.) and the UPB at +the time of purchase.154 The current + +150 84 FR at 666–667. FHFA’s Total Units ranges +will differ slightly from the CFPB’s intended ranges. +The CFPB discloses the number of units in the +ranges 5 to 24, 25 to 49, 50 to 99, and 100 to 149, +with top-coding. FHFA will change the 25–49 and +50–99 bins to 25–50 and 51–99, to align with +FHFA’s definition of ‘‘small multifamily property.’’ +See 12 CFR 1282.1. + +151 12 CFR 1003.4(a)(8)(i)(A) and (ii). The PUDB + +combines Action Taken and Action Taken Date, +since there is only one possible action by the +Enterprises (purchase) but two available dates in +the Enterprise data (origination and purchase). + +152 Action Taken also requires reporting actions + +that do not apply to originated loans (e.g., +application denied). 12 CFR 1003.4(a)(8)(i)(B) and +(C). Since the PUDB only contains data on +originated loans, and the Enterprises do not collect +data on loans that were not originated, these values +are not relevant. + +153 84 FR at 663. +154 12 CFR 1003.4(a)(7)(i). Where more than one + +property collateralizes a loan and/or loans, the + +Continued + +VerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00046 Fmt 4703 Sfmt 4703 E:\FR\FM\03JNN1.SGM 03JNN1 + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +2 +4 +C +V +5 +F +9 +K +S +D +n +o + +r +e +t +t +o + +l + +34206 + +Federal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices diff --git a/chunks/txt/1ea5d95a094363817b12bb18e47d8f2272e980c2e103020ff89d071273b9a7e0.txt b/chunks/txt/1ea5d95a094363817b12bb18e47d8f2272e980c2e103020ff89d071273b9a7e0.txt new file mode 100644 index 0000000000000000000000000000000000000000..09e1c5d104721ffc6490d7d1c81da28917efc9bd --- /dev/null +++ b/chunks/txt/1ea5d95a094363817b12bb18e47d8f2272e980c2e103020ff89d071273b9a7e0.txt @@ -0,0 +1,21 @@ +Data Relationships Using Xlink and MISMO Arcroles + +Page 28 of 29 + +Version 1.1 + +Appendix A: XML Code Sample FOR Xlink MISMO Arcrole Examples + + + : + + + + + + +Data Relationships Using Xlink and MISMO Arcroles + +Page 29 of 29 + +Version 1.1 diff --git a/chunks/txt/1eab992d9bea943425df1f59f0c7a9d76cc03e3627287fe71ccff61d438a34f8.txt b/chunks/txt/1eab992d9bea943425df1f59f0c7a9d76cc03e3627287fe71ccff61d438a34f8.txt new file mode 100644 index 0000000000000000000000000000000000000000..cf086e36ed97bb9179805875f733740957d3f8c1 --- /dev/null +++ b/chunks/txt/1eab992d9bea943425df1f59f0c7a9d76cc03e3627287fe71ccff61d438a34f8.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/13426","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. 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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); })(); diff --git a/chunks/txt/1eb9c784f2bb3cf85ebd7f14550cc33b9e4dd2b407cbfea6a10b10364ca47363.txt b/chunks/txt/1eb9c784f2bb3cf85ebd7f14550cc33b9e4dd2b407cbfea6a10b10364ca47363.txt new file mode 100644 index 0000000000000000000000000000000000000000..f5fc5c8f1b2a97ca865a835a676414605b10342e --- /dev/null +++ b/chunks/txt/1eb9c784f2bb3cf85ebd7f14550cc33b9e4dd2b407cbfea6a10b10364ca47363.txt @@ -0,0 +1,4 @@ +Year: 2017 | Assigned ID: 2092102 | Bank: Atlanta | FIPSStateCode: 72 | FIPSCountyCode: 15 | MSA: 25020 | FeatureID: 1609553 | Tract: 2802.02 | MinPer: 99.15 | TraMedY: 15863 | LocMedY: 17448 | Tractrat: 0.9092 | Income: 60588 | CurAreY: 18400 | IncRat: 3.2928 | UPB: 71967 | LTV: 0.89 | MortDate: 2016 | AcquDate: 2017 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 180 | AmorTerm: 180 | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 7 | CoRace: 7 | BoSex: 1 | CoSex: 2 | BoAge: 70 | CoAge: 69 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0288 | Amount: 75000 | Front: 0.1118 | Back: 0.2265 | BoCreditScor: 5 | CoBoCreditScor: 5 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 1 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 1 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2 +Year: 2017 | Assigned ID: 2092103 | Bank: Atlanta | FIPSStateCode: 66 | FIPSCountyCode: 10 | MSA: 99999 | FeatureID: 9999999999 | Tract: 9540 | MinPer: 92.9 | TraMedY: 75804 | LocMedY: 51900 | Tractrat: 1.4606 | Income: 210264 | CurAreY: 51900 | IncRat: 4.0513 | UPB: 514837 | LTV: 0.94 | MortDate: 2016 | AcquDate: 2017 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 360 | AmorTerm: 360 | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 4 | BoSex: 1 | CoSex: 2 | BoAge: 60 | CoAge: 55 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0325 | Amount: 520000 | Front: 0.1446 | Back: 0.237 | BoCreditScor: 5 | CoBoCreditScor: 5 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2 +Year: 2017 | Assigned ID: 2092104 | Bank: Atlanta | FIPSStateCode: 66 | FIPSCountyCode: 10 | MSA: 99999 | FeatureID: 1389637 | Tract: 9563 | MinPer: 92.9 | TraMedY: 49250 | LocMedY: 51900 | Tractrat: 0.9489 | Income: 114744 | CurAreY: 51900 | IncRat: 2.2109 | UPB: 425563 | LTV: 1.04 | MortDate: 2016 | AcquDate: 2017 | Purpose: 1 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 360 | AmorTerm: 360 | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 7 | CoRace: 7 | BoSex: 1 | CoSex: 2 | BoAge: 36 | CoAge: 36 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0325 | Amount: 429831 | Front: 0.2312 | Back: 0.3152 | BoCreditScor: 5 | CoBoCreditScor: 5 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 3 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 3 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2 +Year: 2017 | Assigned ID: 2092105 | Bank: Atlanta | FIPSStateCode: 48 | FIPSCountyCode: 439 | MSA: 19100 | FeatureID: 1337443 | Tract: 1141.03 | MinPer: 25.31 | TraMedY: 102791 | LocMedY: 70673 | Tractrat: 1.4545 | Income: 164988 | CurAreY: 70500 | IncRat: 2.3403 | UPB: 251800 | LTV: 0.75 | MortDate: 2016 | AcquDate: 2017 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 360 | AmorTerm: 360 | diff --git a/chunks/txt/1ed2b984b7c56309d0cbdf1f06a3a8a5071e50d6dcd97ade56205930f4a34141.txt b/chunks/txt/1ed2b984b7c56309d0cbdf1f06a3a8a5071e50d6dcd97ade56205930f4a34141.txt new file mode 100644 index 0000000000000000000000000000000000000000..481882bbe83c8b029cc3ea4afa64cfb7cdd6cbd9 --- /dev/null +++ b/chunks/txt/1ed2b984b7c56309d0cbdf1f06a3a8a5071e50d6dcd97ade56205930f4a34141.txt @@ -0,0 +1,100 @@ +PARTY2_RO LE +1 + +PARTY1_RO LE +1 + +PARTY4_RO LE1 + +PARTY6_RO LE1 + +PARTY8_RO LE1 + +PARTY10_RO LE1 + +PARTY3_RO LE1 + +PARTY5_RO LE1 + +PARTY7_RO LE1 + +PARTY9_RO LE1 + +PARTIES/PARTY/ROLES +ROLE/ + +2 + +SequenceNumber + +4 + +6 + +8 + +10 + +xLink Label + +PARTY2_RO LE +1 + +PARTY4_RO LE1 + +PARTY6_RO LE1 + +PARTY8_RO LE1 + +PARTY10_RO LE1 + +From ROLE/ + +Note Pay To + +Mortgage Broker Real Estate Age nt Real Estate Age nt Closing Agent + +ROLE_DETAIL/PartyRole +Type + +REAL_ESTATE_AGENT/R +ealEstateAgentType + +Selling + +Listing + +Contact + +Joe Smith + +Linda Jone s + +Samuel Green + +Jose ph Cain + +Sarah Arnold + +Appendix E: UCD Implementation Guide + +Page 228 of 254 + +Version 1.4 + +Uniform Closing Dataset + +23.0 Contact Information + +Figure 138. Relationships in Contact Information Table. + +There is no widely recognized standard for labeling XLink endpoints. This Guide uses the notation: +“@xlink:label”, which reflects the naming conventions used within Appendix G: UCD Sample XML Files. Using this +naming convention, ROLE uses both the @Sequence Number attribute as well as @xlink:label to uniquely +identify each endpoint in the employment relationship. UCD has assigned sequence numbers to each PARTY in +the Contact Information table, starting with “1” for the Lender Organization and ending with “10” for the +Settlement Agent individual contact. The corresponding @xlink:labels have also been assigned values in the UCD +file. For For example, the first PARTY / ROLE container will have the @xlink:label PARTY1 ROLE1. The second +occurrence of the PARTY / ROLE container will have the @xlink:label PARTY2 ROLE1, and so on. In a transaction +with one of each of the five entities participating, PARTY will appear in the order of the @Sequence Number +value in ROLE. diff --git a/chunks/txt/1ed38db19eb52127a2669dec879a637b70ddda86dd1665ec4c14343628486f90.txt b/chunks/txt/1ed38db19eb52127a2669dec879a637b70ddda86dd1665ec4c14343628486f90.txt new file mode 100644 index 0000000000000000000000000000000000000000..0443e78e9c0d2373befbab84c0e6b74d155af0ca --- /dev/null +++ b/chunks/txt/1ed38db19eb52127a2669dec879a637b70ddda86dd1665ec4c14343628486f90.txt @@ -0,0 +1,49 @@ +Appendix A includes all acronyms or technical terms used in the I-Guide, along with the term represented by the acronym +and definitions for the technical terms. + +Acronym or Term Description + +Table 70. Glossary and List of Acronyms. + +ATR + +CD + +CFPB + +Choice Group + +Ability to Repay Rule, part of Reg Z. A lender must make a good-faith effort to determine that a borrower is +able to repay a mortgage before taking it on. In practice this means lenders must generally find out, +consider, and document a borrower’s income, assets, employment, credit history and monthly expenses. + +Closing Disclosure form issued by the CFPB + +Consumer Financial Protection Bureau + +A MISMO standard container organization method where only one of a list of child containers may be used +within the parent. This means that only one of the list can be a child of the parent or the XML file will fail +schema validation. In other words, only one can be “chosen” and then the rest of the child containers under +the parent are used as normal. PARTY/ → INDIVDUAL OR LEGAL_ENTITY is the major example. + +Containment + +In the MISMO standard, there are 3 ways to relate data points together: +1. Hierarchically: All child containers further describe the parent. + +2. Using the xml xlink function, which ties “sibling” containers to each other. This approach has been + +completely removed from UCD v2.0. + +3. By containment: all data points in one container are one “line item” (e.g., are all about one + +ucd:FeeItemType) or one related set (for example, heading and subheading). + +Document Specific +Data + +Data points contained within the DOCUMENT SPECIFIC DATA SETS structure of the MISMO v3.3.0 Reference +Model created to support specific business reporting requirements. Their definitions are driven by the +context of and specific usage within the form or document they are intended to populate. In general, +definitions of these data points do not conform to broader-based industry understanding, so they should not +be used outside of the specific document for which they were designed. diff --git a/chunks/txt/1f0a98b8c580ab85bc3bf174678cefc9518729598e9cd218545fa854bb4792b5.txt b/chunks/txt/1f0a98b8c580ab85bc3bf174678cefc9518729598e9cd218545fa854bb4792b5.txt new file mode 100644 index 0000000000000000000000000000000000000000..cc1a6de307d3b3de3bc9af07377dc373c875b31b --- /dev/null +++ b/chunks/txt/1f0a98b8c580ab85bc3bf174678cefc9518729598e9cd218545fa854bb4792b5.txt @@ -0,0 +1,105 @@ +60 + +4 + +String + +String + +UAD Instruction - Refer to Appendix D Subject Section +If no parcel number is available, enter 'None'. If more than one parcel number is +applicable, each should be listed and separated by a semicolon. + +UAD Instruction - Refer to Appendix D Subject Section +Should be in a four digit year format. + +Data Format: +yyyy + +The form field 1-17 (GSE Property Tax +Total Tax Amount) is greater than 0. + +18 + +1 + +17 + +SUBJECT + +R.E. Taxes $ + +GSE Property Tax +Total Tax Amount + +The total of all of the property's real estate +taxes for this year excluding any special +assessments, across all tax jurisdictions +and authorities. This is the amount +assessed for the tax year, not the amount +paid. + +/VALUATION_RESPONSE/PROPERTY/_TAX/PROPERTY_TAX_EXTENSI +ON/PROPERTY_TAX_EXTENSION_SECTION[@ExtensionSectionOrganizati +onName='UNIFORM APPRAISAL +DATASET']/PROPERTY_TAX_EXTENSION_SECTION_DATA/PROPERTY_ +TAX_AMOUNT/@GSEPropertyTaxTotalTaxAmount + +10 + +Money + +UAD Instruction - Refer to Appendix D Subject Section +Whole dollars only. If the amount is unknown, appraisers should enter zero (0) in the +data field. + +19 + +1 + +18 + +SUBJECT + +Project Name + +Project Name + +The name of the project in which subject +property is located (e.g., the name of the +condominium or cooperative). + +/VALUATION_RESPONSE/PROPERTY/PROJECT/@_Name + +60 + +String + +UAD Requirement - Refer to Appendix D Subject Section +This data is referenced more than once on the form (fields 1-18, 3-13) and must be +represented consistently to the extent the available space permits. + +20 + +21 + +22 + +23 + +1 + +1 + +1 + +1 + +19 + +SUBJECT + +Phase # + +Project Phase +Identifier diff --git a/chunks/txt/1f20e76de58d0bf2a9cce2e272bc607f21a95d4c2e4a6eca0d3300ae2139c568.txt b/chunks/txt/1f20e76de58d0bf2a9cce2e272bc607f21a95d4c2e4a6eca0d3300ae2139c568.txt new file mode 100644 index 0000000000000000000000000000000000000000..351a96a9aeb8bf14b7fc2dd7182aa97c078adf21 --- /dev/null +++ b/chunks/txt/1f20e76de58d0bf2a9cce2e272bc607f21a95d4c2e4a6eca0d3300ae2139c568.txt @@ -0,0 +1,21 @@ +2.0 Transaction Information ............................................................................................................................................................. 38 +2.1 Borrower .................................................................................................................................................................................. 38 +1. Individual................................................................................................................................................................................38 +2. Legal Entity.............................................................................................................................................................................39 +3. Mailing Address .....................................................................................................................................................................40 +2.2 Seller (Purchase Transaction) ................................................................................................................................................. 40 +1. Individuals ..............................................................................................................................................................................40 +2. Legal Entity.............................................................................................................................................................................42 +2.3 Lender ...................................................................................................................................................................................... 42 +A. For More Information ............................................................................................................................................................... 42 +3.0 Loan Information ......................................................................................................................................................................... 44 +3.1 Loan Term ................................................................................................................................................................................ 44 +1. Fixed Loan Term ....................................................................................................................................................................44 +2. Extendible Loan term ............................................................................................................................................................45 +3. Construction Loans................................................................................................................................................................45 +3.2 Purpose .................................................................................................................................................................................... 47 +1. For More Information ...........................................................................................................................................................48 +2. Purchase.................................................................................................................................................................................48 +3. Refinance ...............................................................................................................................................................................49 +4. Construction ..........................................................................................................................................................................50 +5. diff --git a/chunks/txt/1f38eefb36496883c4c3c11e3601c86acf2d450329f583b9b4296c39e47b928e.txt b/chunks/txt/1f38eefb36496883c4c3c11e3601c86acf2d450329f583b9b4296c39e47b928e.txt new file mode 100644 index 0000000000000000000000000000000000000000..27a27927ac62150b19ea371789dfee07b0265c24 --- /dev/null +++ b/chunks/txt/1f38eefb36496883c4c3c11e3601c86acf2d450329f583b9b4296c39e47b928e.txt @@ -0,0 +1,44 @@ +• + +• + +• + +• + +the property was built in compliance with the Federal Manufactured Home Construction and Safety Standards +(established June 15, 1976, as amended and in force at the time the home was manufactured), + +it is attached to a permanent foundation system in accordance with the manufacturer’s requirements for anchoring, +support, stability, and maintenance, + +the foundation system must be appropriate for the soil conditions for the site and meet local and state codes, + +it is encumbered by the mortgage with the primary dwelling, + +• meets additional requirements that appear in HUD regulations in 24 C.F.R. Part 3280, and +• when the ADU is a single-or multi-section manufactured home, the home must no longer be classified as personal property, +and all steps required to classify the home as real property must have been completed, at the time of sale of the loan to +Fannie Mae. + +Compliance with these standards must be evidenced by photos of the HUD Data Plate or HUD Certification Label(s) (for each +section of the home) in the appraisal report. If the original or alternative documentation cannot be obtained for the HUD Data +Plate or the HUD Certification Label(s), the loan is not eligible for sale to Fannie Mae. See SB2-3-02, Special Property Eligibility and +Underwriting Considerations: Factory-Built Housing and MH Advantage Property Eligibility Requirements including ADUs for +more information. + +Examples of ADUs + +Examples of ADUs include, (but are not limited to): + +• + +• + +a living area over a garage, + +a living area in a basement, + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 27 of 166 diff --git a/chunks/txt/1f42fa3f2e726296e1d5750f776bbd154bb61e5715941ec2a57be2f7b1678e8c.txt b/chunks/txt/1f42fa3f2e726296e1d5750f776bbd154bb61e5715941ec2a57be2f7b1678e8c.txt new file mode 100644 index 0000000000000000000000000000000000000000..e1377e3914241123864108421c4bdfd32ea8b530 --- /dev/null +++ b/chunks/txt/1f42fa3f2e726296e1d5750f776bbd154bb61e5715941ec2a57be2f7b1678e8c.txt @@ -0,0 +1,49 @@ +65 Action Taken also requires reporting actions + +that do not apply to originated loans (e.g., +application denied). 12 CFR 1003.4(a)(8)(i)(B) and +(C). Since the PUDB only contains data on +originated loans, the HMDA values that do not +apply to originated loans are not relevant. + +66 84 FR at 663. +67 In the FHFA 2010 Order, Date of Mortgage Note +was withheld from the PUDB Single-Family Census +Tract File to conform to HMDA privacy protections +in 12 U.S.C. 2803(j). 75 FR at 41186. However, +FHFA has now concluded that disclosing Date of +Mortgage Note as same year or any prior year in the +PUDB Single-Family Census Tract File is consistent +with the CFPB Privacy Guidance, since the year of +origination can be inferred from the date of the +CFPB’s public dataset. Although the CFPB’s public + +Loan Amount (UPB): Loan Amount is + +a modified HMDA data element that +identifies the Note Amount (discussed +above in Section II.B.1.) and the UPB at +the time of purchase.68 The current +PUDB Single-Family Census Tract File +includes a data element called +Acquisition UPB, rounded to the nearest +$1,000. To conform with the CFPB +Privacy Guidance, Acquisition UPB in +the PUDB Single-Family Census Tract +File will be changed to the midpoint of +the $10,000 interval in which the actual +amount falls.69 + +ii. No Disclosure Changes in the PUDB + +The HMDA single-family data +elements listed below are currently +disclosed in the PUDB Single-Family +Census Tract File and were unchanged +by the Regulation C amendments or +were modified in a way irrelevant to +Enterprise data. Accordingly, they will +continue to be disclosed in the same +manner in this File. No changes in +reporting or disclosure are necessary to +conform with HMDA. diff --git a/chunks/txt/1f4802aad82ba6a6c5a86c376b45643b9f135fd337e8f166ee4dcf9eb107bbd9.txt b/chunks/txt/1f4802aad82ba6a6c5a86c376b45643b9f135fd337e8f166ee4dcf9eb107bbd9.txt new file mode 100644 index 0000000000000000000000000000000000000000..9734c9d5d55b65866ffbd12f893f35b3d3e890ef --- /dev/null +++ b/chunks/txt/1f4802aad82ba6a6c5a86c376b45643b9f135fd337e8f166ee4dcf9eb107bbd9.txt @@ -0,0 +1,27 @@ +FHFA News Release: [*FHFA Seeks Input on Single Security*](/news/news-release/fhfa-seeks-input-on-single-security)**(08/12/2014) + +[Review input submitted](/discussion-topics-overview?tab=all)* (select *Single Security* in pull down menu) + +**FHFA received additional submissions that will not be made public because they were non-responsive or were unrelated to the Request for Input.* + +**2013** + +FHFA News Release: [*FHFA Progress Report Details Advancement on Securitization Infrastructure and Credit Risk Sharing*](/news/news-release/fhfa-progress-report-details-advancement-on-securitization-infrastructure-and-credit-risk-sharing) (11/25/2013) + +[*A Progress Report on the Implementation of FHFA's Strategic Plan for Enterprise Conservatorships*](/reports/conservatorships-progress-report/2013) (11/25/2013) + +FHFA News Release: [*FHFA Issues Update on Development of a Common Securitization Infrastructure*](/news/news-release/fhfa-issues-update-on-development-of-a-common-securitization-infrastructure) (04/23/2013) + +[*A Progress Report on the Common Securitization Infrastructure*(PDF)](/document/whitepaperprogressreport43013) (04/23/2013) + +**2012** + +[White Paper: Building a New Infrastructure for the Secondary Mortgage Market](/research/papers/building-new-infrastructure-secondary-mortgage-market) (10/04/2012) + +[Public Input Received on Building a New Infrastructure (2012-13)](/document/public-input-on-building-a-new-infrastructure) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* diff --git a/chunks/txt/1f4b74ea5dde3acb7d3a019a953a580395e6bbcec1fde49b18603357fb31b754.txt b/chunks/txt/1f4b74ea5dde3acb7d3a019a953a580395e6bbcec1fde49b18603357fb31b754.txt new file mode 100644 index 0000000000000000000000000000000000000000..cdcfcbba67138794ca6803e93901bbb59231fd21 --- /dev/null +++ b/chunks/txt/1f4b74ea5dde3acb7d3a019a953a580395e6bbcec1fde49b18603357fb31b754.txt @@ -0,0 +1,65 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='View']/@_Amount + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='DesignStyle']/@_Description + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='DesignStyle']/@_Amount + +10 + +20 + +10 + +Money + +String + +Money + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +UAD Instruction - Refer to Appendix D Sales Comparison Approach Section + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +The sum of this field 3-78 and fields (3- +60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72, +3-74, 3-76, 3-80, 3-82, 3-84, 3-86, 3- +87, 3-91, 3-93, 3-95, 3-97, 3-99, 3-101, +3-103, 3-105, 3-107, 3-109, 3-111) +must add up to Net Adjustment field 3- +116. + +The sum of this field 3-80 and fields (3- +60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72, +3-74, 3-76, 3-78, 3-82, 3-84, 3-86, 3- +87, 3-91, 3-93, 3-95, 3-97, 3-99, 3-101, +3-103, 3-105, 3-107, 3-109, 3-111) +must add up to Net Adjustment field 3- +116. diff --git a/chunks/txt/1f4f0efc27aa325faf80aa0839ea394a154121bef92e4ea4cc70cd5a800af789.txt b/chunks/txt/1f4f0efc27aa325faf80aa0839ea394a154121bef92e4ea4cc70cd5a800af789.txt new file mode 100644 index 0000000000000000000000000000000000000000..ec93fdc46f376165b9a5504364165147a4b9f59f --- /dev/null +++ b/chunks/txt/1f4f0efc27aa325faf80aa0839ea394a154121bef92e4ea4cc70cd5a800af789.txt @@ -0,0 +1,25 @@ +6. Periodic Interest Rate Change Limit – First Change Date/Subsequent Change Dates – Indicates the limitations on interest rate increases and decreases, +first from the initial interest rate and, thereafter, from each immediately preceding interest rate. For example, the statement “+/-2%/ +/-2%” means that the rate +adjustment may not result in an increase or decrease of more than two percentage points from the prior interest rate. + +7. Life Interest Rate Cap/Floor – Indicates the applicable lifetime interest rate ceiling (cap), which may be stated as a rate that will serve as the ceiling or may +be stated as a specified number of percentage points above the initial mortgage interest rate. In the “Life IR Cap/Floor” column, “+” or “-” means add to or +subtract from the initial mortgage interest rate. For example, “Up to +6%” as the ceiling (cap) means that the lifetime interest rate may be as high as 6% above +the applicable initial interest rate. For all standard ARM plans, there is not a lifetime interest rate floor other than the applicable mortgage margin. + +© 2021 Fannie Mae. Trademarks of Fannie Mae. +This document is incorporated by reference into the Fannie Mae Selling Guide. + +Oct 2021 + +3 of 6 + +8. Look-back Interest Rate Change (in days) – Identifies the required interest rate look-back period for determining the index value for interest rate + +adjustments. The look-back is to the index value in effect on the specified number of days before the interest rate change date. + +9. Assumability – This column indicates whether the ARM may be assumed or is due on sale. + +The Fannie Mae standard ARM plans provide one of two choices: the mortgage is assumable during the entire term of the mortgage, or the mortgage is due- +on-sale during the initial fixed-rate period and assumable thereafter for the remaining term of the mortgage. A summary explanation for the abbreviations for +Assum, DOS/Assum and DOS are provided below. diff --git a/chunks/txt/1f6877568804414e597035e3b07c75b6bf8f6d5c587db6b4850c10115d213ba9.txt b/chunks/txt/1f6877568804414e597035e3b07c75b6bf8f6d5c587db6b4850c10115d213ba9.txt new file mode 100644 index 0000000000000000000000000000000000000000..c3e13e70452fc6068783d38fea85ae09e08590aa --- /dev/null +++ b/chunks/txt/1f6877568804414e597035e3b07c75b6bf8f6d5c587db6b4850c10115d213ba9.txt @@ -0,0 +1,37 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +![mortgage-translations-hero-banner](/sites/default/files/styles/desktop_hero/public/2023-11/mortgage-translations-hero-banner%20%281%29.png.webp?h=e7657209&itok=koOcI06R) + +# Mortgage Translations + +Access our range of mortgage documents available in multiple languages + +Welcome to the Mortgage Translations clearinghouse, an easy-to-use collection of translated documents and tools to assist lenders, servicers, housing counselors, and others in helping ​mortgage borrowers who have limited English proficiency​ (LEP). Created by FHFA, Fannie Mae, and Freddie Mac in collaboration with industry, consumer, and government partners, the Mortgage Translations clearinghouse contains resources such as translated documents, borrower education materials, a standardized glossary of mortgage terms, and more. diff --git a/chunks/txt/1f6a068454726e98ec3fd7f52bf3716772efde90775edbf77b8cc10b145c687f.txt b/chunks/txt/1f6a068454726e98ec3fd7f52bf3716772efde90775edbf77b8cc10b145c687f.txt new file mode 100644 index 0000000000000000000000000000000000000000..57f5c97035de99bb609a84a9045f62afbbf021ec --- /dev/null +++ b/chunks/txt/1f6a068454726e98ec3fd7f52bf3716772efde90775edbf77b8cc10b145c687f.txt @@ -0,0 +1,21 @@ +Signature + +Appraiser +Annie Appraiser +Annie Appraiser + +03/14/2022 + +Date of Signature and Report + +Level +ID +State +Expires + +Licensed Residential Appraiser +T235719287434 +TN +01/30/2024 + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/1f6cd5140c4612a9f4c536ed0d8343cf7ac65f45821f8da3622d3b3716491b3c.txt b/chunks/txt/1f6cd5140c4612a9f4c536ed0d8343cf7ac65f45821f8da3622d3b3716491b3c.txt new file mode 100644 index 0000000000000000000000000000000000000000..4f073e885189b7f9d413d89529d45d17d3d40a8a --- /dev/null +++ b/chunks/txt/1f6cd5140c4612a9f4c536ed0d8343cf7ac65f45821f8da3622d3b3716491b3c.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data" +date_accessed: "2026-01-27T17:47:50.275Z" +--- + +> *[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) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![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 + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/1f6e8f1ce21d896aac6b288354bb68a02bfc51f2d70b5a5cefab2b38bdb39934.txt b/chunks/txt/1f6e8f1ce21d896aac6b288354bb68a02bfc51f2d70b5a5cefab2b38bdb39934.txt new file mode 100644 index 0000000000000000000000000000000000000000..02e222d794c66bf74223621e4623186dd74c381f --- /dev/null +++ b/chunks/txt/1f6e8f1ce21d896aac6b288354bb68a02bfc51f2d70b5a5cefab2b38bdb39934.txt @@ -0,0 +1,101 @@ +Uniform Residential Appraisal Report + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20) + +Page [Page] of [Pages] + +Site + +Total Site Size +Dimensions + +4.000 + +4.00(cid:20) + +Number of Parcels + +Contiguous +Elements Dividing Parcels + +4.00(cid:21) + +4.00(cid:22) + +4.00(cid:23) + +Assessor Parcel Number (APN) +4.00(cid:24) + +APN Description +4.00(cid:25) + +Parcel Size +4.00(cid:26) + +Property Access +Primary Access +Street Type and Surface +Known Maintenance Agreement +Typical for Market + +4.0(cid:21)(cid:19) + +4.0(cid:21)(cid:20) + +4.0(cid:21)(cid:21) + +4.0(cid:21)(cid:22) + +Description of Property Access + +4.0(cid:21)(cid:23) + +Zoning + +Compliance +Classification Code +Classification Code Description +Reasons Illegal +Impact +Rebuildable to Current +Density/Use + +4.00(cid:27) + +4.00(cid:28) + +4.0(cid:20)(cid:19) + +4.0(cid:20)(cid:20) + +4.0(cid:20)(cid:21) + +4.0(cid:20)(cid:22) + +Description of Zoning Compliance +Property Use + +4.0(cid:20)(cid:23) + +Primarily Residential +Residential Use +Non-Residential Use +Non-Residential Modification + +4.0(cid:20)(cid:24) + +4.0(cid:20)(cid:25) + +4.0(cid:20)(cid:26) + +4.0(cid:20)(cid:27) + +Description of Non-Residential Use/Modification + +4.019 + +Site Influence + +Influence +4.0(cid:21)(cid:24) diff --git a/chunks/txt/1f767375643c2222e754f194e9ab214b1c23ab7ce28cd0ab1a895647e26b4130.txt b/chunks/txt/1f767375643c2222e754f194e9ab214b1c23ab7ce28cd0ab1a895647e26b4130.txt new file mode 100644 index 0000000000000000000000000000000000000000..3a948ea9b3b1f9505559951e9ae10176f08ee69f --- /dev/null +++ b/chunks/txt/1f767375643c2222e754f194e9ab214b1c23ab7ce28cd0ab1a895647e26b4130.txt @@ -0,0 +1,40 @@ +Additionally, since each GSE continues to exercise independent business judgment in +evaluating, adopting and maintaining business terms, credit policies and analytics, the +GSEs separately published GSE-specific Implementation Guides for Loan Delivery Data, +together with other supporting documentation to assist in the development and +implementation of the ULDD. + +This User Guide is a joint publication of the GSEs and is designed to support development +and implementation of the ULDDS, with a particular focus on the MISMO framework that +is integral to the ULDDS. + +For purposes of the User Guide, the term “ULDDS” refers to the joint specification +package or a document within it; and the term “ULDD” refers to the GSE-specific +package or a document within it. + +B. Purpose of the User Guide + +The purpose of this User Guide is to explain how to use the V3.0 Reference Model and +Logical Data Dictionary (LDD) that underpin both the ULDDS and ULDD. The V3.0 + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 6 of 76 + +Section V. Resources + +Reference Model and LDD provide the technical framework for developing the loan +delivery file that will be required for all loans delivered to either GSE. + +This User Guide provides descriptions of the technical tools and terms used in the +ULDDS and the GSE-specific Implementation Guides, and it includes tips for successfully +relating the data points in the ULDDS to business partner data dictionaries. It is directed +to a technical audience, including the vendors and lenders who will create the import files +to be submitted to each GSE according to the ULDDS and GSE-specific data +requirements. This audience must have a solid understanding of the MISMO standards +and certain XML concepts in order to apply them and create a properly formed loan +delivery file. This User Guide also may benefit those business partners who do not have +technical development responsibilities but who need to understand the ULDDS and its +impact on processes and systems. diff --git a/chunks/txt/1f79f47decf26abd7e6d0ae37401d3b59509bd66a05cf35baddd3c0efac948db.txt b/chunks/txt/1f79f47decf26abd7e6d0ae37401d3b59509bd66a05cf35baddd3c0efac948db.txt new file mode 100644 index 0000000000000000000000000000000000000000..de41157a4586c0a19c2db0d7322579a3d450554f --- /dev/null +++ b/chunks/txt/1f79f47decf26abd7e6d0ae37401d3b59509bd66a05cf35baddd3c0efac948db.txt @@ -0,0 +1,47 @@ +DU could not validate borrower income +shown below for the reason provided. +Borrower | DU Income Type | Vendor and Rep +Type | Rep ID | Income Source from Rep | DU +Reported Amount | Reason + +DU matched vendor data to income source(s) +based on the following components. +Borrower | DU Income Type | Vendor and Rep +Type | Rep ID | DU Employer| Employer Name +in Rep | Calculated Amount + +DU XML Codified Findings – Message Text (Sample) + +The following example illustrates the new combination of vendor and report types that can be returned within the modified DU +messages. + + + + + + + + + + + + + + + + + + + + +© 2024 Fannie Mae + +3 of 4 + + + +Release Support + +The DU validation service changes are available in the DU integration environment for testing, although the message updates will +only return if an integrator is activated to receive them. diff --git a/chunks/txt/1f7ab5138392d3889efe35657f44d30d6bbecdab0c541ae4555eb355561c66cb.txt b/chunks/txt/1f7ab5138392d3889efe35657f44d30d6bbecdab0c541ae4555eb355561c66cb.txt new file mode 100644 index 0000000000000000000000000000000000000000..177a25b0b38daa37df9f216ad2eeaa9641e046ee --- /dev/null +++ b/chunks/txt/1f7ab5138392d3889efe35657f44d30d6bbecdab0c541ae4555eb355561c66cb.txt @@ -0,0 +1,19 @@ +13. Using information available in the normal course of business, I researched, verified, analyzed, and reported on the prior sales of the +comparable sales for a minimum of one year prior to the date of sale of the comparable sale. + +14. I based my valuation on the available properties that are most similar to the subject property. + +15. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been +built or will be built on the land. + +16. I have identified the differences between the subject and comparable properties, analyzed the market reaction to those differences, and +reflected those differences in the analysis. + +17. To the extent possible, I verified, from a disinterested source, all information in this report that was provided by parties who have a financial +interest in the sale or financing of the subject property. + +18. I have taken into consideration the factors that have an impact on value with respect to the subject property, and its location, including its +proximity to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions +(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental +conditions, etc.) that I became aware of during the development of this appraisal. I have considered these adverse conditions in my analysis of +the property value and have reported on the effect of the conditions on the value and marketability of the subject property. diff --git a/chunks/txt/1f868ea107731325847a3d401f44bace480752796249f8baf7a5361d5ba26d27.txt b/chunks/txt/1f868ea107731325847a3d401f44bace480752796249f8baf7a5361d5ba26d27.txt new file mode 100644 index 0000000000000000000000000000000000000000..2b5701e981c64efcb24e137b45bb88390a6106fd --- /dev/null +++ b/chunks/txt/1f868ea107731325847a3d401f44bace480752796249f8baf7a5361d5ba26d27.txt @@ -0,0 +1,76 @@ +12.4 Second Loan (Principal Balance $10,000) + +12.4.1 $2,000.00 + +The XML file data points supporting these two scenarios are located in the LIABILITIES and CLOSING_ADJUSTMENTS +(proceeds of subordinate lien) structures (see Chapters B. Liability Data and D. Closing Adjustment Data). The one exception +is the total amount of subordinate financing, which is provided in LOAN_DETAIL. The total subordinate financing amount is +provided in TotalSubordinateFinancingAmount. When subordinate financing is part of the transaction, the data point +gse:SubordinateFinancingIsNewIndicator is also required to indicate whether the financing was created at the same time as +the subject loan. + +UCD v2.0 Implementation Guide + +- 114 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Table 54. UCD v2.0 Spec Excerpt – Loan Features Data Requirements. + +UCD UID MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DE +TAIL + +11.004 AssumabilityIndicator + +4.029 + +BalloonIndicator + +false + +false + +Because BalloonIndicator should always be ‘false’ UID +4.030-BalloonPaymentAmount has been removed +from LOAN_DETAIL in UCD v2.0. + +4.048 + +BuydownTemporarySubsidyFundingIndicator + +false + +▪ Provide "false" if the temporary buydown terms are + +3.006 + +ConstructionLoanIndicator + +11.005 DemandFeatureIndicator + +true + +false + +11.077 EscrowAbsenceReasonType + +BorrowerDeclined + +NOT reflected in note rate. + +▪ See Table 19 for additional data point required + +when “true”. + +See Table 33 for additional data points required when +“true”. diff --git a/chunks/txt/1f90c6951426b2e1d613487c0c7058261df7ef74b9aa2f71955e99d3fb782e1d.txt b/chunks/txt/1f90c6951426b2e1d613487c0c7058261df7ef74b9aa2f71955e99d3fb782e1d.txt new file mode 100644 index 0000000000000000000000000000000000000000..32a19567c63b0d6e23cfdb65d1d9cd8834675c84 --- /dev/null +++ b/chunks/txt/1f90c6951426b2e1d613487c0c7058261df7ef74b9aa2f71955e99d3fb782e1d.txt @@ -0,0 +1,49 @@ +• New warning edits related to MI, Property Data-Condo Project Manager™ (CPM™), Special Feature Code, Recast, and + +Underwriting. + +• Edits related to AMI changing from warning to fatal severity. + +Feb. 26, 2023 + +Multifactor +Authentication +Registration + +Starting January 9, 2023, users began seeing multifactor authentication (MFA) registration screens after logging in to Fannie +Mae browser-based applications. To ensure uninterrupted access, register by selecting one or more MFA methods before +February 26, 2023, when the use of MFA will be required. Learn more + +© 2023 Fannie Mae Page 1 of 5 + +Feb. 27, 2023 + +MBS Enhancements + +On February 27, Fannie Mae will introduce the first of two planned Loan Delivery enhancements to provide lenders with a +self-service model for addressing most MBS issues in real time within the application. No action will be required to begin +using these MBS enhancements, and there will be no changes to the import or MBS Pool submission processes. For more +information MBS features, view the Loan Delivery MBS Enhancements overview. + +Mar. 1, 2023 + +LLPA Updates + +Lenders can stop delivering SFC 873 as it will no longer be used for this LLPA waiver according to the following: +▪ whole loans delivered and purchased on and after March 1, 2023, and +▪ loans delivered into March issue MBS pools. +▪ edits to enforce SFC 873 will be deactivated + +See Lender Letter (LL-2022-05) for more details. + +Mar. 27, 2023 + +Edit Updates + +See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates +including: + +• New informational edits related to Property Data – Condo Project Manager (CPM) +• New warning edit related to Appraisal +• New fatal edit related to Lien Type +• Edits related to Property Data, Down Payment, Closing Cost, and Underwriting diff --git a/chunks/txt/1f9d7382c93c83944f3f0fd8f665a26db00608581d8ebf193627819e8830565b.txt b/chunks/txt/1f9d7382c93c83944f3f0fd8f665a26db00608581d8ebf193627819e8830565b.txt new file mode 100644 index 0000000000000000000000000000000000000000..13dde8429d7d69d8b293e221c8ed23cb80d0bd45 --- /dev/null +++ b/chunks/txt/1f9d7382c93c83944f3f0fd8f665a26db00608581d8ebf193627819e8830565b.txt @@ -0,0 +1,17 @@ +In this release, the Multifamily National File at the Property Level and the Multifamily National File at the Unit-Class Level are available through two separate links instead of one. The data specifications remain unchanged from prior years. + +The 2024 Enterprise PUDB Data Dictionary has been consolidated into a single PDF document instead of multiple PDF documents. The 2024 release also includes an Excel version of the Data Dictionary. Both versions will include an additional column that shows the names of each data field provided in the CSV format of the data with a header row. + +### Future Release Notes + +FHFA plans to release future Enterprise PUDB data in the CSV format only, beginning with the 2025 Enterprise PUDB in September 2026. The TXT format without a header row will be discontinued. + +FHFA also plans to discontinue the Enterprise PUDB Single-Family National File A, beginning with the 2025 Enterprise PUDB in September 2026. Users will be able to find exactly the same data except for LTV in the 2025 Enterprise PUDB Single-Family National File B by filtering for owner-occupied 1-unit properties. LTV will be available in the 2025 Enterprise PUDB Census Tract File. + +In addition, PUDB data for both Enterprises will be combined into a single file for each type of 2025 Enterprise PUDB file. However, it will still be feasible to identify and separate data by each Enterprise using the Enterprise flag in data. + +### Documentation + +Data Dictionary [[.pdf]](/document/2024-enterprise-pudb-data-dictionary.pdf) [[.xlsx]](/document/2024-enterprise-pudb-data-dictionary.xlsx) + +- **FHFA PUDB Orders and Federal Register Notices** diff --git a/chunks/txt/1fa6906f5a7db57238bbed4ec8f38799aea479282aa618314ce9ba22874aa74d.txt b/chunks/txt/1fa6906f5a7db57238bbed4ec8f38799aea479282aa618314ce9ba22874aa74d.txt new file mode 100644 index 0000000000000000000000000000000000000000..ad17537d87951902def0a0a2606e74d8dd2adcce --- /dev/null +++ b/chunks/txt/1fa6906f5a7db57238bbed4ec8f38799aea479282aa618314ce9ba22874aa74d.txt @@ -0,0 +1,150 @@ +Kitchen and Bathroom Details + +Room +Kitchen +Level 1 + +Bath - Full +Level B1 + +Bath - Full +Level 2 + +Bath - Full +Level 2 + +Bath - Half +Level 1 + +Update Status +Partially Updated + +Time Frame +5-10 years + +Fully Updated + +1-5 years + +Not Updated + +Not Updated + +Partially Updated + +1-5 years + +Quality Comment +Upgraded counters, +mid-grade cabinets and +appliances + +Upgraded fixtures, +flooring, and +wainscoting + +Standard grade fixtures, +floors, and cabinetry + +Standard grade fixtures, +floors, and cabinetry + +Upgraded fixtures and +updated flooring + +Condition Status +New or Like New + +Condition Comment +Well maintained + +New or Like New + +Recently received a gut +renovation + +Typical Wear and Tear + +Maintained + +Typical Wear and Tear + +Maintained + +New or Like New + +Recent update and +upgrade + +Overall Update Status for +Bathrooms + +Moderately Updated + +Interior Features + +Feature +Flooring + +Detail +Carpet + +Ceramic Tile + +Hardwood + +Vinyl + +Walls and Ceiling + +8 Ft. | 9 Ft. | Flat + +Quality Comment +Standard Grade + +Condition Status +Typical Wear and Tear + +Condition Comment +Updated 5-10 years ago + +Typical Wear and Tear + +Updates in the last 5-10 years + +Standard grade - partial +upgraded (1st floor full baths) + +Standard Grade + +Standard Grade + +Standard drywall meets +market expectations for this +type of dwelling. + +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Well maintained + +Well maintained + +No damage or condition +issues noted + +No damage or condition +issues noted + +Wet Bar + +Wet bar with custom brick +work has been added as a +unique interior feature. + +Basement has a custom brick +wet bar that includes wood +countertops. diff --git a/chunks/txt/1fb2476a56f38abe16694df7bf3599db6dde8885dac2970b7efa99cc068f11a9.txt b/chunks/txt/1fb2476a56f38abe16694df7bf3599db6dde8885dac2970b7efa99cc068f11a9.txt new file mode 100644 index 0000000000000000000000000000000000000000..d102e46bb1a777ac3cfbf165454ba796240f40ba --- /dev/null +++ b/chunks/txt/1fb2476a56f38abe16694df7bf3599db6dde8885dac2970b7efa99cc068f11a9.txt @@ -0,0 +1,45 @@ +December 6, +2021 +NEW + +UCD Critical +Edits - + +Review the Phase 1 Edits tab in the UCD Feedback Messages for a listing of the new warning edit to +further refine UCD Phase 1 data quality: + +Phase 1 + +Implementation + +• Warning-to-Fatal Edit 3317: A value of zero is invalid for the Regulation Z Total Points + +and Fees Amount. Enter the total points and fees excluding bona fide discount points with +the correct value. Data should be numeric up to 9 digits, with up to 2 decimal places. + +NOTE: Edit 3317 will be transitioning UCD edits from “warning-to-fatal” to a “fatal” severity on +January 24, 2022. + +© 2021 Fannie Mae. + +12.2.21 + +1 of 2 + +Transition Preparation for Lenders and TSPs + +▪ Review “warning” messages. The UCD Collection Solution currently issues a “warning” message if the data + +provided is missing, inconsistent, or incorrect according to the UCD specification. In preparation for the transition to +“fatal edits, lenders should review all feedback messages returned by the UCD Collection Solution and resolve any +issues, particularly those relating to future “fatal” edits. + +▪ Test your UCD XML file. Access the UCD Collection Solution Testing Environment to test your UCD XML files to + +resolve potentially fatal issues prior to the phased releases. + +▪ Review the updated UCD Fatal Edits Matrix 2.0. Fannie Mae and Freddie Mac (the GSEs) published updates to the +matrix, which contains the edits and associated datapoints for all phases. Lenders are encouraged to familiarize +themselves with the matrix prior to implementation. + +▪ Review the UCD Fatal Edits - Implementation Guide. This resource was created to provide guidance on the diff --git a/chunks/txt/1fb5672a1396e8fe9f0dfeafdc3cfacf240cfa8437c96c79163dcbef787db01d.txt b/chunks/txt/1fb5672a1396e8fe9f0dfeafdc3cfacf240cfa8437c96c79163dcbef787db01d.txt new file mode 100644 index 0000000000000000000000000000000000000000..68b885195f726723b09beb9d46eebbf8ea7d7047 --- /dev/null +++ b/chunks/txt/1fb5672a1396e8fe9f0dfeafdc3cfacf240cfa8437c96c79163dcbef787db01d.txt @@ -0,0 +1,147 @@ +Materials have minimal depreciation and appear to be well-maintained. + +TypicalWearAndTear + +Ceramic tile and upgraded fixtures + +FullBathroom + +NotUpdated + +\\Images\SF2_LivingRoom.png + +image/png + +LevelOne + +LivingRoom + +LevelOne + +DiningRoom + +\\Images\SF2_Kitchen.png + +image/png + +LevelOne + +Materials have minimal depreciation and appear to be well-maintained. + +TypicalWearAndTear + +Kitchen includes commercial grade appliances and granite countertops + +Kitchen + +NotUpdated + +LevelOne + +FamilyRoom + +\\Images\SF2_HalfBath.png + +image/png + +LevelOne + +Materials have minimal depreciation and appear to be well-maintained. + +TypicalWearAndTear + +Ceramic tile and upgraded fixtures + +HalfBathroom + +NotUpdated + +LevelTwo + +Bedroom + +LevelTwo + +Bedroom + +LevelTwo + +Bedroom + +Bath 2 + +\\Images\SF2_Bath2.png + +image/png + +LevelTwo + +Materials have minimal depreciation and appear to be well-maintained. + +TypicalWearAndTear + +Ceramic tile and upgraded fixtures + +FullBathroom + +NotUpdated + +Bath 3 + +\\Images\SF2_Bath3.png + +image/png + +LevelTwo + +Materials have minimal depreciation and appear to be well-maintained. + +TypicalWearAndTear + +Ceramic tile and upgraded fixtures + +FullBathroom + +NotUpdated + +Top Floor Bedroom + +\\Images\SF2_Bedroom.png + +image/png + +LevelThree + +Bedroom + +Bath 4 + +\\Images\SF2_Bath4.png + +image/png + +LevelThree + +Materials have minimal depreciation and appear to be well-maintained. + +TypicalWearAndTear + +Bathroom includes upgraded marble tile and high-end fixtures. + +FullBathroom + +NotUpdated + +RowhouseTownhouse + +SiteBuilt + +Brick + +Wood + +Evidence of possible termite infestation. + +TypicalWearAndTear + +The exterior walls and trim use upper end finishes and materials. Trim is more extensive than that typically seen for these types of structures. diff --git a/chunks/txt/1fc25a0fb4d2b89492f30d4e7295786d03eb91aaed2f34727250f567bd16aae5.txt b/chunks/txt/1fc25a0fb4d2b89492f30d4e7295786d03eb91aaed2f34727250f567bd16aae5.txt new file mode 100644 index 0000000000000000000000000000000000000000..fc222e407394c3ac04e592b3ff4f7c199084152d --- /dev/null +++ b/chunks/txt/1fc25a0fb4d2b89492f30d4e7295786d03eb91aaed2f34727250f567bd16aae5.txt @@ -0,0 +1,112 @@ +Appendix F-1: URAR Reference Guide + +Page 198 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +18 Project Information + +Unit Tax Abatements or Exemptions + +The Unit Tax Abatements or Exemptions row always displays in the Project Factors table. + +Project Factors: Unit Tax Abatements or Exemptions + +Allowable +Answers / Format + +Yes | No + +Definition / Additional Guidance + +Tax Abatement or Exemption: Indicates whether a tax reduction or exemption +has been granted. +Note: If No, “None” displays in the Unit Tax Abatements or Exemptions row. + +Dollar Amount + +Tax Abatement or Exemption Amount: The annual amount granted in tax +reductions or exemptions. +Note: If estimated, provide commentary as to how the estimation was done in +Project Factors Commentary (18.094). + +mm/yyyy + +Tax Abatement or Exemption Expiration: Indicates when the tax reduction or +exemption expires. + +Report +Field ID + +Report Label + +When to Include + +Required if the +property is in a +condominium, +cooperative, condop, +or PUD + +Required if Tax +Abatement or +Exemption is Yes, and +the amount is known + +Required if Tax +Abatement or +Exemption is Yes, and +the expiration date is +known + +18.073 Unit Tax + +Abatements or +Exemptions +(Detail) + +18.073 Unit Tax + +Abatements or +Exemptions +(Detail) + +18.073 Unit Tax + +Abatements or +Exemptions +(Detail) + +18.083 Unit Tax + +Abatements or +Exemptions +(Impact) + +18.093 Unit Tax + +Abatements or +Exemptions +(Comment) + +Required if Tax +Abatement or +Exemption is Yes + +Adverse, +Beneficial, or +Neutral + +Free-form + +Required if Tax +Abatement or +Exemption is Yes, or as +needed + +Commentary on the nature of the tax abatement, sources of information, a +description of the impact to value and / or marketability, and any other details. +Note: For further expansion of commentary, use Project Factors Commentary +(18.094). diff --git a/chunks/txt/1fce7f08da5bd6dfc74693f53e446e95c7942017d5b41a15617b482f5b44e04a.txt b/chunks/txt/1fce7f08da5bd6dfc74693f53e446e95c7942017d5b41a15617b482f5b44e04a.txt new file mode 100644 index 0000000000000000000000000000000000000000..947a209977a0a051d1eb4638a9436a4cbbbced5f --- /dev/null +++ b/chunks/txt/1fce7f08da5bd6dfc74693f53e446e95c7942017d5b41a15617b482f5b44e04a.txt @@ -0,0 +1,116 @@ + + + + + + + + + +ljones@betabroker.com + + + + + + + + +8884567890 + + + + + + + +Linda + Jones + + + + + + + + + + + +888977 + + + + + + + +MortgageBroker + + + + + + + + + + + + +Beta Brokerage Services + + + + + +
+ +222 Midtown Circle + Mailing + +UCD v2.0 Implementation Guide + +- 144 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 118. XML Snippet – Example of Conditional PARTY Data. + +Sometown + 12343 + ST + +
+ + + + + + + + + +222222 + + + + + + + +MortgageBroker + + + + + + + +